vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect Equifax reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX XXXX has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: IN

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to urgently request the immediate update of a late payment on my credit report. The delayed payment status is inaccurately reflecting my financial history and is having adverse effects on my credit score.

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 2024-03-22 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: GA

Complaint narrative:
I am writing to urgently request the immediate update of a late payment on my credit report. The delayed payment status is inaccurately reflecting my financial history and is having adverse effects on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

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 2024-03-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

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 2024-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA. 

the account is : Bank Of America {$47000.00} XX/XX/2023 I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX in XXXX XXXX We are a small business that seeks to XXXX XXXX XXXX  to the community. We were part of the city of XXXX that XXXX XXXX XXXX during the pandemic thus saving lots of lives. We are proud of the work we have been blessed to do for our community. Now, being an independent business, we are faced with challenges that come and go. And one of the main challenges are satisfying our invoices from our wholesalers in a timely manner. For the past 2 years XXXX, Citizens bank on XXXX XXXX in XXXX PA has been charging us {$35.00} for every invoice/draft that's faced with insufficiencies in our account. The mind boggling thing is, if we had two ACH 's, Citizens bank would acknowledge the Ach 's, charge us {$70.00} for both Ach 's while in transit... The next day, even if we have sufficient funds to satisfy the Ach 's, Citizens returns both invoices back to the wholesalers and charge us another {$70.00} ... in total {$140.00} from our account... remember, sometimes we do not have sufficient funds in the account thus leading to the account being negative. We have been with citizens bank for over 3 years and they have refused our black owned minority female business a credit line and yet, we have passed over XXXX per year through their bank ... .in addition to the continuous ACH/overdraft FEES being charged from our business account. It takes a lot to switch banks especially when most of our wholesalers are connected to this business account. I might not have used the correct terminologies however it is highway robbery to charge {$35.00} as overdraft fees and another {$35.00} when the invoice is returned ... even if there are funds to fulfill the invoice...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 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: IN

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
A GM Goldman Sachs credit card # ending in XXXX was opened in my name XX/XX/year> without my consent or knowledge. I am a member of XXXX XXXX XXXX who alerted me to the delinquency on this account. My credit score had been decreasing as this delinquency went on. My identity was stolen and this credit card opened without my knowledge. Yesterday, XX/XX/year> a rep from XXXX and I called GM Goldman Sachs to inquire about this to find out what it was. We spoke with XXXX, XXXX and XXXX and learned of the details. An amount of {$6000.00} was charged to this CC and all but {$490.00} was paid off. The creditor closed this account on XX/XX/year> because it was flagged as being identity theft. I was instructed to complete a fraud complaint and file a police report, then mail a copy to GM Goldman Sachs for them to investigate. 

I want this issue resolved and removed from all three credit reports, XXXX, XXXX and XXXX as I did not apply for this credit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company reported to the credit bureaus that I owe them a debt of {$380.00}. They have never provided proof of any kind to me. This debt is not mine and I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : 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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I was informed I had a 90 day notice on my credit report. In researching with XXXX I show no accounts in the app or web. I initiated a chat as I received an email about a late payment for a closed account. When clicking the link it brings me to the same page with open accounts but doesnt show the account in question. Apparently I have an old balance which I was unaware of. I have late fees and interest charges which they couldnt waive and told me I should use alerts auto pay or the app, all of which were not options. They have to mail me statements because I dont know if charges are valid and statements are not online. 
I feel they have been deceptive in taking away visibility into a closed account charging fees with no way of knowing. This impacted my report by XXXX pts.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX Appears On My XXXX Report Collection with a Balance of {$600.00} Date Opened XX/XX/XXXX Last Reported XX/XX/XXXX Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX Payment Status listed as Late 120 Days Legend Status listed as XXXX XXXX  Current from at Least XX/XX/XXXX through XX/XX/XXXX I have no knowledge of this account. 
I have never received any correspondence from any LVNV Funding. 
XXXX is reporting this to My Report with Several Errors as listed above. 
This is detrimental to My creditworthiness, character, and ability to obtain credit. 
An account can not be designated as XXXX XXXX Current and also Late 120 days. 
This Alleged Account is clearly well past the Illinois Statute for Collecting debt. 
I was Not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) Prior to This Alleged Debt being placed on My XXXX Report. 
I have not been provided the Opportunity to Dispute this account Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This LVNV Collection Company has No Authority to furnish any account to a Consumer Reporting Agency without providing any ans all disclosures required by Law.

LVNV Funding is in Clear Violation of 12 CFR 1006.34 ( d ) As well as 15 USC 1681-S2 ( 7 ) ( A ) It is My Request that this Derogatory Account Be Immediately Removed from My XXXX Report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information about them, and the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done! I've sent in everything that was asked of me!

Company response to consumer: Closed with explanation