vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax, and XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at US Dept of EDXXXX XXXX XX/XX/XXXX under the account number starting with XXXX, Dept of education/XXXX XXXX  XX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$680.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX opened an Auto Loan on XX/XX/XXXX with Regional Acceptance Corp for a XXXX XXXX XXXX XXXX ( Account Number XXXX ) and opened an insurance policy with XXXX with Gap Insurance. XXXX XXXX XXXX XXXX XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX ( Date of Total Loss ) - XXXX XXXX ( Myself ) was in an auto accident with the XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX - I received my claim information from XXXX XXXX from the XXXX XXXXXXXX XXXX XXXX Claim # XXXX ) XXXX XXXX stated my vehicle was declared a total loss and that a payment of {$21000.00} would be issued to help pay off the loan. He also stated that if needed I also had Gap Insurance with XXXX, but was not needed in this case. 

XX/XX/XXXX - Regional Acceptance sent a Letter of Guarantee to XXXX for Regional Acceptance Client : XXXX XXXX Regional Acceptance Loan Number : XXXX Payoff Amount : {$15000.00} Vehicle Description : XXXX XXXX XXXX XXXX XXXX : XXXX Regional Acceptance Corp gave XXXX this payoff amount. 
XXXX XXXX 's full payment for the total loss was {$21000.00} would have covered the whole payoff requested. 
Regional Acceptance Corp released the title to XXXX. 

XX/XX/XXXX- XXXX sent payoff amount {$15000.00} to Regional Acceptance Corp. The payoff was sent immediately. 

XX/XX/XXXX- XXXX XXXX noticed on her credit report stating she had a 30 day late payment reported for XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX thought must be a mistake and submitted documentation and dispute through XXXX. 
XXXX Dispute Date : XX/XX/XXXX Dispute # : XXXX Regional Acceptance Corp responded back saying not to remove them. 
XXXX XXXX then called Regional Acceptance Corporation to speak to them directly about the issue. They stated they marked those lates due to a {$59.00} Balance. 
XXXX XXXX never received any statement via email with balance that was owed. 
My communication preferences on my portal for Regional Acceptance for Statements is email to XXXX. 

The Letter of Guarantee date for payoff was XX/XX/XXXX which was the same day XXXX sent payment to Regional Acceptance.

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: 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: GA

Complaint narrative:
I discovered multiple inaccuracies in my Experian credit report, including fraudulent addresses, incorrect variations of my name, and sensitive personal information that should not be listed publicly. Specifically, Experian has linked 16 different addresses to my file, which I have never lived at or used, including XXXX XXXX XXXX, XXXX, GA XXXX. 

I have been residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX since XXXX and this is my sole valid address for this period. The inclusion of these incorrect addresses and names is a direct result of identity theft or reporting errors. Despite my efforts to correct these inaccuracies, Experian has failed to act. 

Additionally, my full date of birth and Social Security number appear on my report. This information is not necessary for my creditworthiness and poses a risk to my identity security.

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 collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
GREETINGS YOU Never Validated this DEBT with any DOCUMENTS, purchase agreement. You FAILED TO SEND ME CONFIRMATION OF THIS ACCOUNT. I sent you a letter in XXXX stating you to CEASE AND DESIST if you can't VALIDATE the account. YOU are CONTINUING TO COMMUNICATE WITH ME BY DAMAGING MY 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 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my bank XXXX XXXX XXXX XXXX sent me an email saying " One of your accounts was updated. It looks like you received a major derogatory mark on one of your accounts. Head over to XXXX XXXX to find out how this could affect your credit score and get tips to help keep you on track. '' In fact, my credit score took a hit of XXXX points, from good to poor. 

According to the XXXX XXXX  page about the Experian credit report, the cause of this was : 1 closed account. Cell Phone. XXXX XXXX. XXXX ... {$220.00}. Payment not made in XXXX, 2024. Payment status : Seriously past due date/ assigned to collection agency .... This is all false. That numbe
r XXXX ... has nothing to do with my account number with XXXX. I have never missed a payment because I am on autopay with XXXX. I called XXXX, and spoke to the fraud department and they confirm that I have no outstanding balance with them. Therefore, this " derogatory comment '' did not come from them. It must have come from a hacker or a fraudster, a scammer. There is no point in contacting XXXX again ( although you can ). They have already said that they had nothing to do with this. The problem is with Experian or one of the credit rating companies that was hacked directly.

Why is my credit report and score being penalized for a message that did not evern come from XXXX? You can verify it yourselves.

P.S. I just moved from XXXX XXXX to XXXX XXXX XXXX  on XX/XX/XXXX. I don't know if that could have anything to do with this.

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 collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX to XX/XX/2024- I am being targeted by Best Buy Citi Credit Card to increase penalties on my credit account, sabotaging efforts to keep account in good standing. I am an elderly customer being discriminated by Citi for age and income status, damaging my credit accounts with other banks.

Within one month, my credit score dropped over XXXX points from XXXX to XXXX, disqualifying me from any financial transactions.

I have no late payments ( until this week ) because I pay on time, monthly, plus pay off promotional balances early.

Best Buy Citi is attempting to run up interests fees ( late fees, over limit, etc ), falsely claiming to mail statements only to drill down on XXXX agents to confirm no statements have been mailed to me since XX/XX/2024. Citi falsely claims they sent emails of statements, but finally admitted to using an archaic XXXX mail I rarely even log onto. 

Best Buy Citi closed my account without notifying me two months ago. I had no idea until Monday when I called repeatedly to have an agent tell me why my balance went to late payments and now considered over limit and late.

After numerous calls, speaking to numerous agents, demanding to know what they based late fees on, I was told they couldn't tell me and couldn't explain what XXXX XXXX was for. Told my monthly payments were used to pay late fees, plus over limit fees.

Now I am over limit accruing late fees on XXXX City Card. XXXX Citi has been posting my monthly payments toward late fees I knew nothing about, ( no statements since XX/XX/2024 ). Even now I continue calling in payments by phone for over a year, trusting CITI to process properly.

I only found out when I disputed a charge Citi kept submitting by autopay of XXXX XXXX to my checking account months ago. My bank researched charges and after finding unauthorized, returned amount to my checking account. I still have no idea what this charge is.

-Not receiving paper statements as instructed. Best Buy Citi Card claimed statements were being sent to me through mail, which was also false. Best Buy Citi finally admitted they had been using an old XXXX email, which I don't use for years. 

-Paid monthly payments on time through phone calls.

-Asked each agent transfered to, that I wanted Ombudsman contact info, but all refused stating they " didn't know what that is "

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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I woke up one morning to a message saying my number and email have been blocked from zelle and that XXXX due to my account being reported multiple times hut i never recieved any warning about my account being reported so i corresct mistakes i made but my account was just blocked the only way else i could send and recieve money was through XXXX XXXX and today my XXXX XXXX was restricted for reasons i do not know why. I just need atleast one or both accounts to be resolved.

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 — Account status incorrect
Company: Experian Information Solutions 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT

SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # 1234, has violated my rights. 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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 — Account information incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts.

Charge Off XXXX XXXX  - {$0.00} ( XXXX & XXXX ) XXXX XXXX - XXXX - {$22000.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX  - XXXX - {$26000.00} ( XXXX  ) Inquiry XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Its hard to put into words how overwhelming and stressful this situation has become. One day, I wake up to find a debt on my credit report that I have no knowledge ofcompletely unverified and not mine. Since then, Ive been subjected to constant harassment through various communication channels, each with different tactics, and even threats of legal action. Its deeply disheartening and frustrating as someone who has always abided by the law. This entire ordeal has impacted my mental well-being, leading to sleepless nights and constant anxiety. As a consumer, my rights are being violated, and its unacceptable.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTICE TO PRINCIPLE ( 2 ) " YOUR ARE BEING ASKED TO COMPLETE ARBITRATION '' " YOU ARE OFFICIALLY NOTICE OF A CIVIL SUIT '' Case Number XXXX ( XXXX  ) " United States District Court ''

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