vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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:
i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX Consumer portfolio service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. REMOVE THESE FRAUDULENT INQUIRES 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 2024-12-22 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:
i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX Consumer portfolio service XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. REMOVE THESE FRAUDULENT INQUIRES 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 2024-12-22 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: FL

Complaint narrative:
Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, Equifax failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days.

I demand that Equifax immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : Collection XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Over 120 Days Past Due : XXXX XXXX XXXX XXXX XXXX Equifax previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and Equifax has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt 7. Insurance claim documentation 8. CMI ( Credit Management Information ) with original creditor 9. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If Equifax is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n.

Equifax intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies.

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within 5 business days.

Documentation : Complaint ID with CFPB # XXXX and # XXXX Also, as asked Equifax before, they need to please correct and delete the following personal information : Incorrect Current Address : Delete Employer History : Delete Address History :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiryXXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX  Date of XXXX XXXX. 
XXXX XXXX XXXX Date of XXXX XXXX. 
XXXX Date of XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
" I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( e ) and 609, which entitle me to dispute inaccurate information resulting from identity theft. Additionally, I am protected under the Identity Theft and Assumption Deterrence Act, which recognizes my rights as a victim of identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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 have reached out via email, mail and phone in regards to have my credit profile corrected : updated and Ive yet to get a response Im not able to get a report or can I create and account with any of the credit agencies to monitor my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
I have reached out via email, mail and phone in regards to have my credit profile corrected : updated and Ive yet to get a response Im not able to get a report or can I create and account with any of the credit agencies to monitor my credit

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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VA

Complaint narrative:
In XX/XX/XXXX, I opened a college student credit card account with Discover Bank. At the time, I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I had a great part time XXXX  job that paid extremely well. However, I quickly began dealing with significant XXXX XXXX XXXX  distress because of my challenging coursework as well as personal matters that were incredibly challenging to deal with. As a result, I was laid off from my XXXX  job for a no-call-no-show. Ever since, I have struggled to find adequate employment to support myself while keeping up with my credit card bills and I now find myself receiving SNAP and XXXX benefits through the state of Virginia. In XXXX, approximately six months after opening my account and after already beginning to accrue a running balance, Discover chose to increase my credit limit from {$1500.00} to {$3000.00}, which I believe was a business practice in violation of federal law due to my heavy spending habits typical of a college student coupled with a complete lack of stable income. Nevertheless, I continued to struggle. Multiple times I reached out to chat with a live agent to discuss hardship options ( attached ), but none were sufficient given the fact that I am still unemployed due to XXXX XXXX XXXX XXXX. As such, I have not signed any agreement and the company continues to harass me, now threatening to report my account as a charge-off to the Bureaus should I not pay the minimum due balance of {$570.00}. This is simply unreasonable given my circumstances at the moment. In addition, Discover relentlessly called me from various phone numbers, blocked numbers, and VoIP numbers multiple times daily, usually in inconvenient situations or while driving my car for the entire six months during which my account has been considered delinquent. I finally chose to block all numbers and send written correspondence once again outlining my financial hardship, to which I received no response. All evidence for the above claims will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I was paying Lexington Law Firm to fix my credit and a few months later I go back and check my credit report and nothing 's changed so I was basically just paying for them to just talk to me and not fix anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
" I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( e ) and 609, which entitle me to dispute inaccurate information resulting from identity theft. Additionally, I am protected under the Identity Theft and Assumption Deterrence Act, which recognizes my rights as a victim of identity theft. '' Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The car I had with Westlake engine start to knock and repair was out of control. the car was still drivable when the picked up however I have not received the proper bill showing the car was sold and the amount taking off final bill. I have made multiple request with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a recent data breach that affected my personal information and resulted in identity theft. This breach has had a significant impact on my credit and my financial security. Below, I detail the actions I have taken to address the situation.

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX accounts : XXXX XXXX, Original Account Number : XXXX with Receipt # : XXXX and XXXX : XXXX Original Account Number : XXXX, Receipt # : XXXX. This company is refusing to close and update these accounts when payment was made on XX/XX/year>. Made multiple calls but they give nothing but excuses. Either you refund my money or close the paid accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: MS

Complaint narrative:
The personal information on my credit report 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 2024-12-22 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: MS

Complaint narrative:
The personal information on my credit report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
2 accounts : XXXX XXXX, Original Account Number : XXXX with Receipt # : XXXX and XXXX : XXXX Original Account Number : XXXX, Receipt # : XXXX. This company is refusing to close and update these accounts when payment was made on XX/XX/year>. Made multiple calls but they give nothing but excuses. Either you refund my money or close the paid accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

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 2024-12-22 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: FL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Basically I was scammed out of XXXX thru XXXX by a scammer!! BOA wouldnt give me my money back when I desperately needed it most!!!

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 2024-12-22 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: FL

Complaint narrative:
Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, TransUnion failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days.

I demand that TransUnion immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and TransUnion has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt XXXX. Insurance claim documentation XXXX XXXX XXXX XXXX XXXX XXXX  ) with original creditor 9. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If TransUnion is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n.

TransUnion intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies. 

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within 5 business days.

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