vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: VA

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

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 2024-11-05 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: OR

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. I am a victim of a recent data breach, which has compromised my personal information, resulting in unauthorized accounts and inquiries. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit file.

The details of the unauthorized accounts and inquiries are as follows : Fraudulent Accounts 1. XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$69.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$16000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX  XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$750.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-05 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: GA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-11-05 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report that were inaccurate and I would like removed.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
On XXXX XXXX someone used my information to applied for a loan and i received an email now when i checked it was an application and now they trying to take the money back from me in which i have no idea that i owed them i never borrowed from them. They said {$300.00} was funded in my account XXXX XXXX but i never have any bank under that. XXXX XXXX, Our last two attempts to withdraw payment on your loan XXXX from your account ending in XXXX were returned because your account did not contain enough funds to cover the payment. To protect your account, federal law prohibits us from trying to withdraw payment again without your permission. 

We may contact you to talk about your payment choices going forward and to assist in scheduling future payments. We can be very flexible, and we are willing to find the dates and amounts that will work best for you. 

Previous Payment Attempts : Payment due date Date of attempt Amount Fees Charged by Greenline Loans XXXX XXXXXXXX XXXX {$85.00} {$0.00} XXXX XXXX {$85.00} {$0.00} The Consumer Financial Protection Bureau ( CFPB ) created this notice to inform you of your rights under federal law. The CFPB is a federal government agency built to protect consumers. To learn more about your rights as a borrower, visit XXXX 

Thank you for being a Greenline Loans customer. For further assistance please contact our Customer Service Department at XXXX, option XXXX. 

Greenline Loans XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Monday - Thursday : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Friday : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
I need your assistance with the false account appearing on my credit report. This issue has hurt my reputation as a customer, and I require your help. I want these accounts removed since they are being reported inaccurately and affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I just received a wage deduction notice in the mail for a debt that was incurred in XXXX. I started my new job in XX/XX/XXXX and still on probation. the debt amount is XXXX i received this on XX/XX/XXXX. I was not aware that in the state of Illinois you can still be sued for a debt that is over XXXX year old. I have not heard anything since I moved around a lot until i moved to my new address in XXXX with my boyfriend.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of {$31000.00} from my Wells Fargo account to fraudulent investment firm ( s ).

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 2024-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized inquires on my report XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of unauthorized inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries removed from my credit report. 
The following inquiries were not initiated by me and should be removed immediately : XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024 I went into the XXXX XXXX Texas branch to open up a new business account. XXXX XXXX opened my account for me and instructed me to go to the teller to deposit my {$5000.00} to start the account. I did that and the teller had a hard time spelling the name of my company. I spelled it for her about five different times and she was clearly confused, but said she found the account and was able to make the deposit. I went back to XXXX to finish up the paperwork and left the bank. I didn't think anything about it after I left because I've open multiple accounts with this bank and never had an issue. The first week in XXXX, I made an investor deposit and they let me know it would not be able to post for a week or two so on XX/XX/XXXX I went into my bank account to check and see if it had cleared and noticed at that time that my initial deposit of {$5000.00} was not there. The second deposit showed up, but the first one was never registered. I called the XXXX number because the bank was closed for XXXX XXXX and they instructed me to go to the bank the next business day on the XXXX and request an investigation for them to pull tape. I went to the manager that day and told him what happened and he launched an investigation. He told me it would be a few days. I've been following up with the assistant manager, XXXX XXXX ( may times! ) and Regional VP XXXX XXXX XXXX ( twice, no reply ) and I also emailed XXXX XXXX and corporate and CEO of Truist Bank XXXX XXXX. I again asked all of them for information on the investigation and I have heard nothing back. There has been no communication or follow up from the bank unless I have initiated a phone call to them. It has been one month today that my funds have been missing and I have heard nothing. Today I filed a police report with the XXXX police department for theft. I have that police report number, at request of your investigator. 
I need help at this point getting the bank to find my {$5000.00} and deposit into my account, with interest. I would also like this investigated for the amount of time it has taken to look into this matter at the branch and through 'nvestigation ' ( which I do not trust has even happened at this point! ) and the negligence of the branch staff in this matter. 
Just to note that the teller did not give me a receipt. I assumed she put it in the folder with all of my new account information as they always do.

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 2024-11-05 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: Pendrick Capital Partners
State: WA

Complaint narrative:
Pendrick Capital Partners LLC and Pendrick Capital Partners Asset Management, LLC stole/committed identity theft of my personally identifiable information and private financial information by pulling my credit report and accessing my consumer files with XXXX and possibly with the other credit reporting agencies on XX/XX/year>. I do not know who these companies are and never had any business with them and received zero communications from them, I only found out that they stole my valuable information when I checked my credit report on XX/XX/year>. They do not have a permissible purpose, permissible account or consent to access my credit reports and files. They have both committed identity theft against me per Washington XXXX XXXX XXXX by knowingly obtaining, possessing, using, transferring means of identification or financial information of another person living or dead. Pendrick has violated my right to privacy and intruded upon my seclusion and violated 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
on XX/XX/2024 I requested that the three credit bureaus XXXX, Equifax and XXXX remove the Bankruptcy or sub press it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
on XX/XX/year> I requested that the three credit bureaus Experian, XXXX and XXXX remove the Bankruptcy or sub press it from the 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 2024-11-05 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: WA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
The items in question on my credit report are currently part of ongoing litigation due to significant reporting errors. Since these items are in pending litigation, verification of the disputed inaccuracies is not possible at this time. Therefore, in compliance with 15 U.S. Code 1681i ( a ), these items should be promptly deleted from my report. Their continued presence, despite the unresolved litigation, unfairly impacts my credit standing and fails to respect my rights under federal law. Immediate action to remove these items is necessary to ensure the accuracy and fairness of my credit report.

Company response to consumer: Closed with non-monetary relief