vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
I had ( have ) an account with XXXX XXXX. I had been making regular payments and was in good standing. They increased my credit limit twice since I first obtained the card. Within the last XXXX - 3 years, several things happened : ( XXXX ) XXXX XXXX events resulting in XXXX, ( XXXX ) a diagnosis of a rare, XXXX  disease - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hospitalization, ( 6 ) several additional hospitalizations, ( XXXX ) my apartment flooded because of a water leak, ( XXXX ) unforeseen car repair expenses, and ( XXXX ) all of my XXXX XXXX XXXX XXXX XXXX XXXX  Because I am on a fixed income ( XXXX ), it has been difficult to say the least to keep up financially with all of these challenges. In terms of my XXXXXXXX XXXX Card account, ( which I used for my dental problems, I recently took out a guaranteed loan with XXXX XXXX XXXX to pay off my balance which was around {$3400.00}. I also used this loan to pay off my credit card balance with XXXX XXXX Bank which was around {$3000.00}. Before I had a chance to attempt to negotiate with XXXX Card, wanting to apply for a 'hardship ' situation, they sent my account to a debt collecting law firm - Weltman XXXX Weinberg , and Reis ( XXXX ). Initially this law firm allowed me to set up an automatic payment plan of $ XXXX, for 6 months. When the 6 month period was over, they informed me that I needed to pay {$600.00} - {$700.00} per month to satisfy the balance of over {$10000.00} - {$11000.00} ... which is impossible for me to do. I received a letter recently from XXXX informing me that they were showing that I had non-exempt resources that I had failed to disclose. They said that they contacted an independent insurance firm XXXX XXXX XXXX XXXX in XXXX, Indiana ) and asked if I was employed there. Whoever XXXX spoke to at XXXX XXXX XXXX, the person at XXXX informed XXXX that I was indeed an employee of XXXX XXXX XXXX. ( XXXX XXXX XXXX  ) This has never been true. I had been contracted with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - BUT THAT RELATIONSHIP CAME TO AN END IN XXXX. I called XXXX and told them about this. XXXX informed me that if I contacted XXXX XXXX XXXX  and had them fax XXXX a document verifying that I was not an employee, then I would not have to appear in court on XXXX XXXX, XXXX. I later called XXXX again to ensure that ( XXXX ) they received the faxed document and ( XXXX ) that I would not have to appear in court in front of a judge. XXXX went back on their word and said that I would still have to appear in court. I am NOT pleased about this situation!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-12-06 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: MI

Complaint narrative:
I am writing to submit a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to investigate my dispute and provide the results. 

On XX/XX/year>, Equifax received my dispute notice via USPS Certified mail, signed for by " XXXX XXXX '' On the same day, however, Equifax failed to provide me with the results of its investigation. 

On XX/XX/year>, I contacted Equifax and spoke with XXXX of their agents. The agent informed me that the investigation was complete as of XX/XX/year>, and the results were mailed. However, I had yet to receive the investigation results. The agent offered to resend the results, but instead, I received a credit file dated XX/XX/year>, which I did not request. 

I believe Equifax failed to conduct a reasonable investigation into my dispute, as required by the FCRA. If an investigation was conducted, I would like the CFPB to assist me in obtaining the results. THESE RESULTS IS NEEDED RIGHT AWAY. 

I have attached the following documents to support my complaint : XXXX. A copy of the dispute notice mailed to Equifax on XX/XX/year> XXXX. The return receipt from the USPS Certified mail, signed by " XXXX XXXX '' on XX/XX/year> XXXX. A screenshot of my call log with the date and time of the call with Equifax on XX/XX/year> XXXX. The credit file Equifax sent instead of the investigation results Thank you for your attention to this matter. I look forward to hearing from you soon. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

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. Act Name : XXXX XXXX Act Name : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years

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 2024-12-06 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 writing to inform you that I am a victim of a data breach and I request the immediate blocking and deletion of the following accounts and inquiries that have been fraudulently opened or reported in my name. As provided under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$23000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$10000.00}

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 2024-12-06 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: RI

Complaint narrative:
I am reaching out for your help with the false account shown on my credit report. This situation has damaged my standing as a customer, and I ask that you remove these accounts, as they are improperly reported and causing harm.

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 2024-12-06 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX Card Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX Card Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANK
State: MS

Complaint narrative:
I went to the location of : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX today, so that I XXXX request XXXX withdraws, after making a total of XXXX deposits. XXXX of the deposits : would have been made to another persons checking account. Upon speaking with the male that answered the XXXX XXXX, I was informed that " You will need to have your drivers license for the withdrawal. '' As a repeat customer, I am well aware of this. As I have not visited this Branch, no any other Branch without proper identification. Afterwards, the male employee did not provide the transactions slips as requested. He did however, return to the speaker with the following question : " Are you plaining to make the withdrawals at this taken, as we can not provide these forms to leave the Branch, if you don't plan to use them at this time? '' It was at this point that I kindly informed the Representative that " you XXXX disregard my request and have a good day. '' Reasoning, this is an ongoing issue with this location and with Cadence Bank XXXX locations in XXXX, XXXX XXXX. I have kindly attempted to refrain from filing any complaints about either locations, but the deplorable customer service needs to be addressed. As record would indicate : this is not my first complaint against : Cadence Bank. It seems to be a pattern of conduct, that I am not able to receive the services that other customers hopefully would receive and that treatment appears to differ. The employees full name and XXXX XXXX was requested. Per the Representative that answered the phone : " The Branch XXXX  stated that the last name and title would not be provided. '' The only information that I was provided was the name of " XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-06 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 request that the following accounts and inquiry be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts were opened or used without my consent, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$730.00XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$520.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Inquiry : XXXX. XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX. Account # : XXXXXXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-06 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation