vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Debt was paid to XXXX  on A settlement offer.

Sunrise credit told me I was a liar and refused to verify and put a ding on my credit a few hours later the same day I paid Treated me horribly so I treated them the same way I was called a XXXX  an
XXXX  told that XXXX  doesnt settle and I owed the money to them.

My services are back on the bill is paid Sunrise credit refused to remove the bad mark on my credit even though it was placed after the debt was paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
This card was opened a while back without my knowledge. Had identity theft. I am XXXX XXXX XXXX. 
And retired. Was also in the XXXX military abroad. This is affecting my credit. Needs to be taken off of my reports. I closed the account. 

Milestone is now Concora Credit XXXX XXXX XXXX XXXX NC XXXX Been making payment because I thought it was another card I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company XXXX XXXX should have fallen off my report by now. It's been reporting false information for the past 7 years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over 10 years now. You all are VIOLATING MY RIGHTS and its not fair!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I lost my phone and wallet somewhere in XXXX XXXX XXXX XXXX XXXX XXXX My phone was unlocked and my debit pin was the last 4 digits of my SSN which my SS card was in my wallet. Someone found it and used my card for over {$1100.00} without my authorization or consent. I immediately disputed those charges as soon as they were no longer pending. PNC said they did an investigation and denied all but a {$50.00} dispute. This is absolutely ridiculous and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My account was closed without my acknowledgment I lost my phone and my phone was off there was almost {$600.00} withdrawn from my account which I did not do my phone was cut off I thought I had 60 days to get my account back in positive my acc was closed under 60 days with any contact from the bank they denied my dispute but issued me a card I never received then closed my account when I started new employment to have my direct deposit to start going to that account my phone was off so I couldnt contact them I have a new phone now and service is on when I tired to login to my mobile account it stated my information doesnt match their records Im soo sick of unprofessional citizens bank this is the worse bank Ive ever been with I keep having to report them for them to falsely say theyve resolved any of my issues when they have not fixed anything whats the purpose of reporting fraud if my account keep getting hacked I asked them to change my account number they stated they can only issue me a new debit card which is crazy that they closed my account before the 60 day time frame please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-12-30 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: FL

Complaint narrative:
I am filing this complaint regarding TransUnions grossly inaccurate and fraudulent reporting of a XXXX XXXX XXXX account on my credit report. 
XXXX XXXX XXXX : XXXX Incorrect Status Reporting : TransUnion is reporting the account as open with XXXX late payments, while simultaneously listing the account as closed/charged off. 
This contradictory reporting is not only inaccurate but has also caused significant damage to my credit score, further compounding financial harm. 
Account Ownership Discrepancy : I have only one legitimate XXXX XXXX XXXX account, yet TransUnion is reporting two accounts. 
One of these accounts is entirely unverifiable, as I do not own it, nor does XXXX XXXX XXXX have any record of it. 
Violation of Federal Law : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Reporting an unverifiable account and contradictory account details clearly violates this requirement. 
Additionally, 15 U.S.C. 1681i ( 5 ) ( A ) mandates that TransUnion delete or correct information that can not be verified during a dispute. Despite my formal disputes, these inaccuracies persist. 
Failure to Verify Ownership : TransUnion has failed to provide any documentation or proof that I own the second XXXX XXXX XXXX account, as required under 15 U.S.C. 1681b. 
These reporting failures have had a devastating impact on my credit score and financial health. Despite my attempts to resolve these issues directly with TransUnion, they have refused to take corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My credit card with Truist bank was charged {$1800.00} ( converted from XXXX XXXX of the same amount ) by XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I informed Truist that I had not dealt with this merchant and indeed had not been in the XXXX since XX/XX/year>. Truist said they would close my card and file a claim for fraud. Subsequently, my account was charged and credited XXXX times by the same merchant for the same amount ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX ). I called XXXX and asked how that could occur given my card was closed. The Truist employee admitted that they had improperly closed my account and submitted the fraud claim for the wrong charge ( that claim was resolved because the charge was credited ). I then received several correspondences from Truist with conflicting messages- some saying the claim was resolved and my account adjusted and others saying the claim was denied. On XX/XX/year>, I wrote to the company to resolve the issue detailing the entire escapade and all relevant facts, and included my account statements. On XX/XX/year>, I received a response from Truist saying that they could not determine the transaction was fraudulent ( despite the obviousness of the situation ) and refused to reimburse the fraudulent claim or provide any information regarding their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
Im having two issues with my equifax credit report. Number one is I sent them a copy of two forms of ID to update my date of birth on my online account from XXXX to XXXX. They sent me a letter stating they fixed it but its still showing as XXXX on their website. Second I have a hard inquiry from XXXX on XXXX on my equifax report thats fraudulent because I was incarcerated at this time. I have reached out to the creditor as well as informed equifax and they are both saying they can not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I moved out of the apartment complex in XXXX, afterwards they sent me a check for {$130.00}. However I did not deposit the check as I was busy. This resulted in an error in the apartments complex system stating that I had a balance of {$130.00}. I spoke with the apartment complex and they agreed that I do not have a balance and sent me the residential ledger showing that my account was paid in full. Transworld reported this debt to the credit agency without contacting me about this alleged debt. I never received a letter in the mail about this or a phone call. This fraudulent charge negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

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 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. 

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 2024-12-30 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
There is an XXXX XXXX account on my credit report that is not mine or inaccurate due to labor trafficking and I have received a letter from the creditor saying that I dont or never had an account with the creditor i would like it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Incorrect Reporting and Handling of Bankruptcy Dear TransUnion Dispute Department, I am writing to formally dispute the reporting of a bankruptcy on my credit report, as reflected in my TransUnion credit file. This entry is inaccurate and has not been verified correctly, contrary to the requirements of the Fair Credit Reporting Act ( FCRA ). Furthermore, I did not request to close the dispute, and I am concerned about the misrepresentation of this matter. 

Details of the Issue : Account/Item in Dispute : [ bankruptcy ]. 
Reason for Dispute : The bankruptcy information on my report is inaccurate and unverifiable. 
Misrepresentation by TransUnion : Your records incorrectly state that I requested to close the dispute. This is false, as I have made no such request. 
Violations of FCRA : Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report and to properly investigate disputes. In this case : TransUnion failed to verify the accuracy of the bankruptcy entry. 
TransUnion inaccurately documented that I requested the closure of the dispute, which is misleading and untrue. 
Actions Requested : Provide documentation to substantiate the reported bankruptcy, including verifiable court records. 
Correct the inaccurate bankruptcy entry immediately if no valid proof can be provided. 
Remove any notes or statements from my credit file falsely indicating that I requested to close the dispute. 
Provide written confirmation of the resolution of this matter. 
Please consider this letter as a formal dispute and a request under the FCRA for re-investigation of the disputed item. I expect a prompt and thorough review of this matter and compliance with all legal obligations, including providing me with the results of the investigation within 30 days of receipt of this letter.

Failure to comply with FCRA requirements may leave me with no choice but to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response and the immediate resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-12-30 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: IL

Complaint narrative:
These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company XXXX XXXX should have fallen off my report by now. It's been reporting false information for the past XXXX years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over XXXX  years now. You all are VIOLATING MY RIGHTS and its not fair!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company WestLake financial should have fallen off my report by now. It's been reporting false information for the past 7 years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over 10 years now. You all are VIOLATING MY RIGHTS and its not fair!

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