vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a letter from XXXX XXXX  stating that the credit reporting agencies must delete the Late payment dated XX/XX/year> and 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX o Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX  XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : FST PREMIE Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Date of 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the inclusion of several inaccurate and fraudulent addresses on my credit report with TransUnion three times over the past year. Despite my repeated efforts, these addresses remain on my report. 

The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These addresses are not mine and have no connection to my identity or financial accounts. My only valid address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I have contacted TransUnion multiple times, requesting an investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to correct my report, in violation of 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). These errors put me at risk for identity theft, fraud, and other financial harm, especially given the increase in data breaches. 

I request the CFPB to intervene and require TransUnion to remove these incorrect addresses and provide a resolution promptly.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had bought {$220.00} worth of items from a website that I canceled and they issued a refund to my Venmo account. After the allotted amount of time and still no refund I contacted Venmo. They proceeded to tell me they already gave me my money and it was just a glitch on my app not showing me but to trust them on their end I have been paid. Well on my end the money was taken and never returned and my balance never increased either. So they said they would send me a statement proving on their end they paid, they told me to look at XX/XX/XXXX on the statement and I will see the XXXX. Well I looked, and on the proof they themselves sent me there was no XXXX, only the XXXX from when I bought the items on XX/XX/XXXX. They said well on their end the statement shows I got my money so to just trust them that I already received it. I never received my money, my balance never went up, and they themselves said theyre working with engineering to get it to show a XXXX on my transactions page which makes me think theyre just going to fraudulently put it on there without ever giving me my funds. I have the proof they sent me themselves that I was never given the money. I was so scared they were going to steal more money from me I went and drained my account last night. Please do not keep money in Venmo or use it to pay for goods and services as they will not resolve your issue whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
There are multiple accounts that do not belong to me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I received a title loan some time ago from TitleMax. I had payment arrangements to make the last ; payment on XXXX or XX/XX/XXXX. When I called to make the payment the collection department informed me that I could not make the payment and that I needed to contact the store. They said that the account was saying {$0.00} balance and settled. 
Customer service is stating that the account has been sold and that I needed to contact all three of the companies that they provide their collection accounts too. I have contacted these companies several times and they all say that they do not have the account. Titlemax then instructed me to contact the credit reporting agencies. I did that and none of them see the account as well. 
Titlemax has a lien on my title but they will not instruct me on how or who to pay this debt too and they will not take the payment. I have been trying to resolve this matter for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in one place but a XXXX XXXX XXXX mailing purposes only which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. XXXX, XXXX, and Equifax now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. XXXX I am already suing you because of your inaccurate reporting and you still continue to break the law. XXXX and Equifax now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
XXXX, Experian, and XXXX continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in XXXX place but a XXXX XXXX for mailing purposes only which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. XXXX, Experian, and XXXX now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. Experian I am already suing you because of your inaccurate reporting and you still continue to break the law. XXXX and XXXX now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for 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 2024-11-20 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: SC

Complaint narrative:
XXXX XXXX has continuously pursued an alleged debt that does NOT belong to me. I am not liable for this alleged debt as there is no contract, application nor written consent present therefore this alleged debt is not able to be validated. This company acquired my private information from a source ( social security number ) without prior consent which constitutes both identity theft and securities fraud. Furthermore the collection agency that they stated is handling this alleged debt has confirmed to me that they arent pursuing this debt and that they have no recollection of this account. This alleged debt is invalid and has caused so much financial damage!

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 2024-11-20 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: SC

Complaint narrative:
XXXX XXXX has continuously pursued an alleged debt that does NOT belong to me. I am not liable for this alleged debt as there is no contract, application nor written consent present therefore this alleged debt is not able to be validated. This company acquired my private information from a source ( social security number ) without prior consent which constitutes both identity theft and securities fraud. Furthermore the collection agency that they stated is handling this alleged debt has confirmed to me that they arent pursuing this debt and that they have no recollection of this account. This alleged debt is invalid and has caused so much financial damage!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were place

d on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of liv
ing and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002XXXX 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 2024-11-20 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:
Equifax is improperly reporting a XXXXXXXX XXXX account ending in XXXX on my credit file. I want to make it clear that this account and its balance do not belong to me. 

This situation is a result of a fraud and identity theft data breach, and I have been notifying the relevant parties about it for several months. Equifax is violating numerous rules and regulations regarding the dispute process for fraudulent accounts, and this needs to be addressed immediately. 

I am asserting that this account and its balance are not mine. I have attached a letter from XXXX, along with a previous letter sent to them, to support my claim. This account is unequivocally not mine.

Company response to consumer: Closed with explanation