vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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:
I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached two letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about 16 times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to deal with this issue constantly. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached two letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about 16 times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to constantly deal with this issue. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX, Please be advised in the screenshots you've sent, you indicated the fraudulent XXXX accounts end in XXXX and XXXX. Please be advised those accounts are not reporting on your Equifax credit file. 



Thank you for contacting Equifax, Respectfully, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon examining my recent credit report, I discovered several accounts that appear to have been added without my authorization and are inaccurate. I request their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: IN

Complaint narrative:
I received a bill from a debt collector who's not true because I was using my line 4 years from now. This company XXXX sent a bill for me after I switched back to my company that I left before ( XXXX XXXX  ). This bill of {$390.00} in not correct, because customer don't have to pay to switch it's not law. 
They continue to billing me after I switched, when they call me I explained them that I already switched with XXXX XXXX why they keep charging and send bill at my address. They take all the note and told me that they not gon na send me any bill no more because everything was clear and dispute with their customer service line. 
Now they sent me in collaboration with that bill who are not true. Maury Cobb Attorney at law LLC is the debt collector for that case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
After reviewing my credit report, I found several accounts that I believe are being reported inaccurately. I am requesting a reinvestigation of the following accounts and that they be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
After reviewing my credit report, I found several accounts that I believe are being reported inaccurately. I am requesting a reinvestigation of the following accounts and that they be removed from my file XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
Per our last discussion, you openly admitted that on XX/XX/XXXX my account was charged off due to non-payment with a balance of {$1000.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication 4681 ( 2023 ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.

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 2024-11-28 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: IL

Complaint narrative:
Per our last discussion, you openly admitted that on XX/XX/XXXX2023 my account was charged off due to non-payment with a balance of {$1000.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication 4681 ( 2023 ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2024-11-28 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: PA

Complaint narrative:
I was completely shocked this morning to find inaccurate accounts on my credit reportit makes no sense, and Im at a loss as to why this is happening. I regularly check my credit report, and its always been accurate until now. I even tried refreshing the browser in case it was a technical glitch, but the errors didnt go away. This situation is deeply unsettling, and Im asking for a detailed review of the documents Ive submitted to resolve this once and for 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
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon inspection of my credit report, I discovered accounts that were added without my consent. I ask that you remove them right away.

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 2024-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/XXXX a check was sent to Citibank for my Home Depot card to pay the entire balance. In XX/XX/XXXX they cashed the check. I called in the XXXX and they said they would investigate and apply the funds. I gave them the date they cashed it, the check number, the amount of the check and the source. The check had my account number and name on it. They said it would be resolved in 48 hours. I waited several days for it to be applied and it hasnt. I called back and the next person told me it would take a week. The week passed I called again and the next person told me 40 to 90 days. In the mean time I am having to make payments and it impacts 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 monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-28 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2024-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 


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 explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
For the past several months I have been attempting to access my free credit report, access ability to apply or find out if I have a freeze on my report, and try to find incorrect information. I have chatted with their support. I have called. I have sent hundreds of emails. I get the same responses, this is our department or call this number. I have submitted written requests for my reports and to have my access restored but they refuse to fix it or help me in any way. I am currently unable to obtained an credit as my Transunion report is not accessible.

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 2024-11-28 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: IN

Complaint narrative:
My recent credit report shows some mistakes involving late payments, which are inconsistent with my regular payment record. I request that these inaccuracies be corrected. Thank you!

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 2024-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against NetCredit, a financial institution that I believe has engaged in fraudulent and unethical practices. 
Between XX/XX/year>, and XX/XX/year>, I made six payments to NetCredit totaling {$720.00}. The payment details are as follows : {$120.00} on XX/XX/year> {$120.00} on XX/XX/year> {$120.00} on XX/XX/year> {$110.00} on XX/XX/year> {$110.00} on XX/XX/year> {$110.00} on XX/XX/year> Despite these payments, NetCredit claims that my account only has {$230.00} available. 
While I understand that interest fees may apply, the fees on my account are unreasonable, disproportionate, and unexplainable, especially considering that I have been making two payments per month rather than one. These fees appear inconsistent with standard lending practices and do not reflect the terms I agreed to. 
I am formally requesting your assistance in investigating this matter, as I believe XXXX actions may constitute : 1. Fraudulent practices, including unexplained and excessive interest charges.

2. Deceptive lending activity in violation of federal consumer protection laws.

3. Potential violations of state usury laws, which regulate interest rates and protect consumers from predatory lending practices.

Specifically, I am requesting that you : 1. Require NetCredit to provide a full explanation of the payments, interest fees, and balance, along with documentation of the original loan terms.

2. Investigate whether their practices comply with state and federal lending regulations and whether the interest fees charged are within legal limits.

3. Ensure restitution if fraudulent or unfair practices are confirmed.

I am prepared to provide supporting documentation, including payment records, correspondence, and account summaries, to aid in your investigation. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to hold NetCredit accountable for their practices. Please contact me if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation