vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Members of my family are receiving phone calls from someone who states they are trying to get up with me and are given a phone number ( XXXX ) and a case number ( XXXX ). They then relay that to me. I have called the phone number and they claim to be a litigation company acting on behalf of Citi Financial Corporation attempting to collect a debt. I asked them to send Proof of Debt to my e-mail because I have never used Citi for any financial services. What they sent me was a Validation of Debt DocuSign letter. I of course did not sign it. They state by not signing the letter that a Civil Complaint will be filed in my county court. Whoever this is has all of my information ( Full Name, SSN, Address, Date of Birth, and my relatives phone numbers ) I have attached the letter sent to me as my " Proof of Debt ''. But it is not that. 
I redacted my personal identifying information. Once they sent this letter I called the number at the bottom of it. I got connected with the same person I had been talking to if I had called the XXXX number. 

Reasons I feel this is a scam : No matter how many times I have called the number I get the same person. 
I contacted Citi Financial and they have no record of any business with me. 
I contacted the law offices of the name listed on the letter, and they have no information. 
I contacted the Clerk of Court in my county and they have no record of any filings against me. 
And the math on the letter looks to be incorrect.

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 2024-11-19 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: TN

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 account listed without my expressed written consent.

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 2024-11-19 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: TN

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My data was breached in the Equifax I wasn't able to submit a claim in time for a settlement all I ask is for this inaccurate reports be deleted from my record immediately via federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
there are hard inquiries on my credit report i did not authorize..sent out dispute letters to all XXXX credit bureaus no thing is being done about it

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 2024-11-19 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: FL

Complaint narrative:
there are hard inquiries on my credit report i did not authorize..sent out dispute letters to all 3 credit bureaus no thing is being done about it

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I never authorized this account to be opened in my name

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 2024-11-19 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: MO

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach, which has led to unauthorized credit inquiries being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiry from my credit report. 
Fraudulent Inquiry to Be Deleted : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
2. Missing Payment History ( XXXX ) : XXXX does not include any payment history for this account, while both XXXX and Equifax show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for XXXX and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 5. Dispute Status : The repo
rt indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated.

Action Requested I respectfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
2. Provide me with an updated credit report reflecting the corrected and complete details.

3. Inform me of the results of your investigation within 30 days, as required by law.

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
This company Hillcrest Davidson ( XXXX XXXX XXXX  ) keeps on harassing us through phone calls and texts for something we have no idea about. 

XXXX XXXX XXXXXXXX We never opted to receive any calls or texts from them. Never received any email describing the problem and this debt they are talking about. 

If this is about business, then why is my wife being included on the text messages. I googled this company and they are doing this to so many families. Such companies need to be shut down immediately. 

Their BBB reviews where multiple families are complaining about this practice XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
This correspondence pertains to a charged-off credit card account that has been reported to the credit bureaus. A Form 1099-C has been issued for this account, indicating that the debt has been canceled and reported as income to the IRS, as per the requirements under 26 U.S. Code 6050P. The issuance of this form establishes that the creditor has discharged the debt, effectively concluding the contractual obligation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, information furnished to consumer reporting agencies must be accurate and complete. The continued reporting of a " charge-off '' designation is inconsistent with the discharge of the debt, as indicated by the 1099-C. Maintaining the charge-off notation misrepresents the nature of the account, potentially leading to inaccuracies in the consumer 's credit file.

Furthermore, the issuance of a 1099-C is widely interpreted as evidence of the creditor 's intent to cancel the debt. When a debt is forgiven and reported as income, the account is no longer collectible. Therefore, the charge-off designation, which implies the debt remains unpaid and collectible, conflicts with the creditor 's reporting to the IRS. The conflicting information may constitute a violation of 15 U.S. Code 1692e, prohibiting false or misleading representations related to the character, amount, or legal status of a debt.

To ensure compliance with federal laws and protect the integrity of consumer credit reporting, it is requested that the charge-off designation associated with this account be removed from the credit report. Accurate reporting aligns with both the creditor 's obligations under the FCRA and the confirmation of the debts discharge through the 1099-C issuance.

Thank you for your attention to this matter. It is expected that an investigation will be conducted and appropriate action will be taken to correct this discrepancy. Please provide confirmation of the resolution and updates to the 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 2024-11-19 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent accounts being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : 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 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is reporting false information to my credit report. They are reporting a charge off that was already paid off and i have the proof that the vehicle was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I am writing to formally request that the following fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported fraudulently without my authorization. 
The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, my information was used fraudulently to open credit card accounts with XXXX XXXX and Jared XXXX XXXX, several XXXX dollars worth of purchases were made on these credit cards. I received notice of payment due on these accounts through Comenity Bank, and contacted them to report these accounts as Fraud. I contacted the credit bureaus to dispute as well, the credit card accounts were now showing on my credit reports and affecting my credit score. After many months I received mailed from Comenity Bank informing me that they'd finished their fraud investigation, and the accounts were closed as fraudulent. The letter states that I am not responsible for the accounts, including remaining balances. Comenity requested credit reporting agencies remove the accounts, and they have been removed. 

On XX/XX/XXXX, I received a letter from Comenity Bank informing me that as of XX/XX/XXXX the accounts had been closed and charged off. Comenity has sold the account to XXXX XXXX XXXX XXXX XXXX. I received a letter from XXXX as well, informing me of the debt they were not attempting to collect and have been receiving phone calls from XXXX as well. 

I AM NOT REPOSINBLE FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-11-19 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following accounts and inquiries as unauthorized and fraudulent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation