vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is on my Equifax profille. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX} I was recently sent a settlement offer of XXXX for a data breach which Ive been saying all along that this was never my account. By law them offering me a settlement is an admission to wrong doing on the companys end. This is my 3rd and final time of asking for this fraudulent information to be removed my from name or I will sue the company and show my documents as well as the email settlement offer if this account isnt removed immediately. Ive never legally entered into business with this company at any point. Obviously within their data breach my information was compromised. Then they offere a measly XXXX. As of XXXX} can solve the headache of my score causing me to not be able to get housing on an issue that this company has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-12-29 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: TN

Complaint narrative:
This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 3. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 4. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 5. **15 USC 1681n** : I reserve the right to seek damages for any violations of the 6. FCRA resulting from this breach, should you fail to comply with my requests. 7. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

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 2024-12-29 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out that this account was showing as 120 days late in XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is inaccurate. After you completed that investigation you are still showing this inaccurate information. Also, XXXX is showing different information for XXXX and XX/XX/XXXX than you are, and all credit reporting agencies should have the same information or it is deemed inaccurate according to the FCRA. I have attached XXXX reporting of this account. These inaccuracies are highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. After I have asked you to fix these 3 times, you still have neglected to correct the mistakes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

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 2024-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: MO

Complaint narrative:
I was in a hole financially and seeking options for debt relief. I discovered Beyond Finance around XX/XX/XXXX and thought they had good intentions to help me out of my debt. I was mentally in a bad place as I had several failed pregnancies and they took advantage of my mental state. Unfortunately almost a year later, I have paid almost {$8000.00} to settle less than {$4000.00} of debt. The disclosures, marketing, and explanation of their staff was confusing and I didn't understand, but trusted them under false pretenses. They encouraged me to stop paying on my current credit cards and loans, sending my credit score and credit worthiness into the ground. I am now years behind in the credit world and dug into a deep hole at the advice of Beyond Finance and have only settled again, less than {$4000.00} of debt for {$8000.00} in total payments. I requested my arrangement be cancelled with XXXX on XX/XX/XXXX at approx. XXXX XXXX and a refund of all fees paid. I asked that no more money be collected from my accounts and to cease any business transactions with this crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I filed a complaint with Sears shop your way credit card to remove the payment that should never have been charged because my car became inoperable in mid to late XXXX. I sent XXXX an email not to bill me. When I calXXXX XXXX XXXX XXXX they can't find my information, don't know if its under the previous car owner because they ask for my XXXX XXXX for billing my credit card. I sent an email cancelation to XXXX XXXX on XX/XX/year>. I got the email where I ask them not to bill my Sears Credit card on XX/XX/year>. Yet they billed my card XX/XX/year>. Now I'm confused because of the back and forth, Sears credit recharge it back to my account saying I owe XXXX XXXX based off the got my credit card informationwhich they ask for to do a 90 day free trial. A service I can't use due to car being inoperable/ at which the 90 days were close to endinging soon and still not repaired. I just want all fees associated with my account to be removed, any late fee over the limit fees, aggravated stress of being on the phone for 3 hours with XXXX and hours of Sears.

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 monetary relief
Consumer complaint received 2024-12-29 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: CA

Complaint narrative:
First Progress Bank did not disclose the necessary information for me to make a sound decision on the credit card I was opting in to. The company failed me. As a consumer, the XXXX ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to be everything other than a beneficiary. The XXXX social security number provided serves as the full faith and credit confirmation through the U.S.acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no collateral associated with the application in itself .Confusing or misleading advertising or marketing credits or application fulfillment. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed to take on the role of debtor. As a child of XXXX, all my debts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXXXXXX 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 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I had my roof replaced. XXXX came out and took off solar panels to facilitate this. They said they would charge me via my normal XXXX XXXX account which is auto payed for removing and replacing the panels. 

I never received a bill. 

I began getting letters and calls from Caine and Weiner ( XXXX ) - XXXX, a collection agency. 

It took some time for me to sort out why they were collecting when I had made several calls to XXXX and was told my account was all paid up, since I have auto pay. 

I went over XXXX  bills, realized they had never actually billed me for the service. I told XXXX I would be happy to pay the bill if they would invoice me. They said they would not send me an invoice because was now " in collections '' Here are some notes I took at the time : XXXX sent via XXXX support web correspondence : I was getting texts a while ago about a > {$3000.00} bill I owed XXXX. I contacted XXXX  and asked what this was about and to actually send me a bill They said as far as they could tell I was up to date and was on auto pay so there was no such balance. 
Now yesterday ( XX/XX/year> ) I was called by tel # XXXX XXXX XXXX, said they were a collection agency engaged by XXXX  because I had not paid a bill. So what is the issue? for me best way to correspond is by email XXXX. thanks. 

Subsequently I did fill out a collection notice from Caine and Weiner with my credit card info and mailed it to them, but they keep calling and sending collection notices. 

The above is from notes I kept. I have more copies of what I sent to XXXX if the cfpb is interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I lived and worked in XXXX for XXXX years ( XXXX to XXXX ) and had an XXXX retirement account with XXXX. 

XX/XX/XXXX - I closed my RRSP account at XXXX in XXXX and had them mail me a check for {$130000.00} ( XXXX ) - the full amount in the account. The check was actually from XXXX Bank XXXX XXXX XXXX XXXX ) which is the bank used by XXXX. 

XX/XX/XXXX - I deposited the check into my Bank of America checking account. After the conversion to USD the value was {$92000.00} XX/XX/XXXX - This exact amount was reversed from my acct by Bank of America account. No communication was provided by Bank of America. I only found out about it when my debit card was rejected at a retail store. 

After multiple phone calls to all three financial institutions and unlimited frustration, this is what I know- Bank of America ( after many phone calls and emails ) provided the attached letter stating what they did and what they know. 

XXXX XXXX  XXXX XXXX ( XXXX ) stated they can not give me any information since I don't and never did have an account with them and that I need to have XXXX request to XXXX to track the check. 

XXXX ( after many phone calls and emails ) states their records simply show the money was withdrawn on XX/XX/XXXX and there is no issue. See attached document that shows their email response. When I later received the Bank of America letter, I forwarded it to XXXX and asked them to relook at this issue. They said they would and that they would " elevate it internally ''. Despite more calls to them, they have not provided any feedback. Aside - once I withdrew my money in the RRSP account I no longer have any money at that bank or any remaining investments in XXXX at all.

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