vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Comerica Bank regarding their unlawful withholding of funds from my account. My name is XXXX XXXX, and I have encountered significant difficulties with Comerica Bank in accessing my own funds despite providing ample evidence of ownership and the origin of the deposited checks. 

After enduring a lengthy 20-day hold period on my initial deposit, I was finally able to access my funds, only to encounter further problems shortly thereafter. Subsequent attempts to log in to my online account were unsuccessful, and once again, I was met with refusal to provide assistance over the phone. 

Upon visiting a Comerica Bank branch in person, I was informed that my funds, totaling {$7000.00}, were being held indefinitely due to the bank 's request for original deposit checks dating back to XXXX. This demand directly contradicts the terms outlined in Comerica Bank 's online terms and conditions, which state a retention and destruction clause for original items after 10 days. The prolonged hold on my funds has not only caused me significant financial strain, resulting in losses of over {$20000.00} missing days of work spending hours talking to the bank. 

Since the initial deposit, I have only been able to withdraw {$1500.00} from my Comerica account. It is now XX/XX/2024, and the remaining funds totaling {$5500.00} remain inaccessible. Despite my efforts to communicate with Comerica Bank, including writing to corporate, I have received no response. 

Comerica Bank 's refusal to release my funds or close my account is unacceptable and unjustifiable. They continue to send me statements showing the held funds for the last year. There is no valid reason for them to continue withholding my money, especially considering the evidence I have provided to prove the legitimacy of the deposited checks. And evidence that the checks CLEARED AN ACCOUNT THAT I OWNED! 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Comerica Bank for their unlawful practices. I request immediate assistance in resolving this issue and obtaining access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I am writing to express my extreme disappointment with the lack of response from XXXX, Equifax, and XXXX regarding the disputes I sent regarding inaccuracies on my credit report. Despite my diligent efforts in listing the accounts and clearly outlining the violations to my consumer report, it has been over 30 days and I have received no response from any of the credit bureaus. 

It is imperative to note that under the Fair Credit Reporting Act, every detail on my credit report must be 100 % accurate. The accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) for their failure to report accurately. Furthermore, the violation of 605 ( c ) running if the period has also been noted, as the date of last activity on these accounts is reporting incorrectly.

I am attaching copies of all letters sent for your reference. I expect immediate action to rectify these issues and ensure that my credit report reflects accurate information as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, Equifax has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, Equifax is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. Just because Equifax says " verified '' does not mean that these are my accounts. 

Furthermore, As required by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items. 
However, despite XXXX obligation under the FCRA, I have recently reviewed my credit report on Equifax.com and found that the requested statement of dispute has not been included on ANY of these accounts. This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer. 

Equifax is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE nor have they added statements of dispute - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank 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 2024-02-15 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: NV

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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 non-monetary relief
Consumer complaint received 2024-02-15 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: NV

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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 2024-02-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Semmes, AL XXXX Last XXXX social : XXXX XX/XX/2024 To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, 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 2024-02-15 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: MD

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
On XXXX XXXX I went to the XXXX XXXX center for a XXXX  screening. I was an uninsured patient, which means they made me pay in full upfront before rendering any services. So I paid in full, got my receipt and left the facility. In XX/XX/XXXX I get a letter from " Wakefield and associates '' claiming that I owe the XXXXXXXX XXXX XXXX  XXXX. I immediately sent them a debt validation letter explaining that there was no way that this was possible. Well, It's XX/XX/XXXX. They respond with a receipt from XXXXXXXX XXXX XXXX, showing that I paid in full, however there's some " adjustment '' added for XXXX XXXXXXXX XXXX XXXX has never once contacted me since I left the facility. Just Wakefield and associates..As I stated earlier, I paid everything they asked for upfront and I was a one time patient with them with no insurance. They can't crop up charges 7 months after I'm gone, not contact me about it, then have Wakefield and associates try to collect a debt! I'm not in debt with them, I was a customer buying a product. This was a one time transaction. I've got my receipts and all documentation from the visit to prove that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last four social : XXXX XX/XX/year> To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Urgent Assistance Needed Regarding Fraudulent Charge on Citi DoubleCash Credit Card Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding my Citi DoubleCash credit card account. 

On XX/XX/2023, I noticed a fraudulent charge of {$600.00} on my account attributed to a purchase from XXXX ( XXXX CA ). Immediately recognizing this as unauthorized, I promptly contacted your customer service team to report the issue and filed a fraud claim. 

Regrettably, despite my efforts, the initial claim was denied on the grounds that I had made a previous purchase from XXXX. However, I wish to emphasize that this particular charge of {$600.00} was not initiated by me. Despite reaching out to XXXX directly, they were unable to provide any information regarding the transaction and directed me back to Citi to address the matter. 

Following Citi 's guidance, I subsequently reopened the claim, this time categorizing it as a Canceled Service claim on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied. The frustration mounts as both Citi and XXXX seem unable to provide clarity or resolution regarding this fraudulent charge. 

I find myself trapped in a cycle of communication between your institution and the merchant, without any meaningful progress toward resolution. Despite XXXX acknowledging the fraudulent nature of the charge, Citi has insisted on holding me accountable for the full amount. 

I implore your urgent assistance in thoroughly investigating this matter and facilitating a prompt resolution. It is evident that neither party involved has been able to substantiate the legitimacy of this charge, leaving me unfairly burdened with its consequences. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution. 

Warm regards, XXXX XXXX XXXX : XXXX Phone : ( 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 monetary relief
Consumer complaint received 2024-02-15 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: MD

Complaint narrative:
I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX open XX/XX/XXXX {$4600.00} XXXX XXXXXXXX open XX/XX/XXXX {$1500.00} XXXX  XXXX open XX/XX/XXXX {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: MD

Complaint narrative:
I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXXXXXX open XX/XX/XXXX {$4600.00} XXXX  XXXX open XX/XX/XXXX {$1500.00} XXXX XXXXXXXX open XX/XX/XXXX {$370.00}

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 2024-02-15 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: MS

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: MS

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation