vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : Balance {$630.00} Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX Account Number : XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Closed. {$10000.00} written off. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$0.00} Paid, Closed. 
Date Opened : XX/XX/XXXX I'm aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete 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 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 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 2024-12-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-05 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: AR

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I had been a victim of identity theft. I found numerous accounts on my credit report that I had not opened. This has been hurting me as I am in the process of buying a home for my family. Please remove these Fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who Bhas posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-12-05 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-12-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Beyond Finance for failing to deliver on their promises to help resolve my debts and for deducting unreasonable fees after I canceled the agreement. Their actions have caused significant financial harm, credit damage, and emotional distress. Below is a summary of my experience : 1. Enrollment and Payments : I enrolled in Beyond Finances debt settlement program in XX/XX/XXXXXXXX  to help manage my debts with XXXX XXXX and XXXX. 
I was instructed by Beyond Finance to completely stop communicating with my creditors and make no payments, which caused my credit card interest rates to increase and severely damaged my credit score. 
Over the course of the year, I deposited {$6400.00} into the account Beyond Finance provided, expecting that these funds would be used to settle my debts. 
2. Failure to Deliver Promised Services : By XX/XX/XXXX, I personally contacted XXXX XXXX and XXXX, who confirmed that there were no ongoing settlement offers. 
3. Cancellation and Fee Deduction : Realizing Beyond Finance had not fulfilled its obligations, I contacted them on XX/XX/XXXX, by phone and email to cancel the agreement and request a refund of my deposits. 
Despite this cancellation, Beyond Finance deducted {$6000.00} from my account, including : {$1300.00} as a service fee {$5000.00} as a settlement fee, even though no settlements were ever made. 
4. Unsuccessful Attempts to Resolve the Issue : I sent multiple emails to Beyond Finance requesting a refund of the {$5000.00} settlement fee, which I believe was wrongfully charged. My attempts to communicate with them have been ineffective, as they have failed to provide a reasonable resolution. 

Impact of Beyond Finances Actions : My credit score has been severely damaged due to the lack of communication with creditors and increasing interest rates. 
My financial situation has been negatively impacted by the unjustified deductions from my account. 
I have experienced significant emotional distress due to this situation. 

Resolution Sought : I am requesting the return of {$5000.00}, which represents the settlement fee Beyond Finance wrongfully deducted. These funds were not used to settle any debts, and I believe they were charged under unreasonable circumstances. I respectfully request this refund be processed within 10 days. 

Thank you for your attention to this matter. I trust that the CFPB will assist me in holding Beyond Finance accountable and securing a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete 1. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} 2. XXXX  XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Inquiry Name : XXXX XXXX/ Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-05 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: Experian Information Solutions Inc.
State: LA

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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Beginning XXXX or so, there have been series of requests 1. to assist me in the emergency situation and 2, to reduce or to suspend my payments for a few months, Then there was a request to close my account XXXX and to let me change my address, There have been THREE complaints filed with CFPB - two complaints of XX/XX/year> and one complaint of XX/XX/year>. The only replies provided by this predatory company have been " the company is still working on response ''. Meantime, they have been bombarding me with demands of the ever increasing payments. 
Well, the attack of the XXXX, Bank of America, and XXXX  on my credit worthiness via cutting off my credit lines and making the credit to debt ratio less than 1:1, FOR NO REASON, killed my business and any possibility of my ever being able to pay off my credit cards. Before the credit card cumulative attack a few months ago, my credit rating was VERY GOOD and THERE HAD BEEN NO LATE PAYMENTS EVER,. As of today, my credit rating is " poor '' and I am a total financial and physical ruin, I can not file for bankruptcy from XXXX, And I can not return to the XXXX, because, as of today, my only income is a very small SSA, I have only one working credit card left- XXXX  with the credit limit {$2000.00}. My business has been killed by the credit cards and credit bureaus, I do not feel responsible for any nonworking credit cards, which remain open with the only purpose- to multiply the bank bills and fees. 
The only credit card I am responsible for is XXXX with the credit limit of {$2000.00} the limit remains what it is and has been, I have been repeatedly demanding that Bank of Amerika close my account XXXX. And now I demand that they close my XXXX  Rewards card XXXX, because a week ago they declined payment for a grocery bill. I ALSO DEMAND YET AGAIN THAT THEY CEASE AND DESIST, I shall file for bankruptcy as soon as I can find an attorney who will be willing to do it free of charge,

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 2024-12-05 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: EQUIFAX, INC.
State: MI

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief