vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: AR

Complaint narrative:
I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$4100.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
This debt collector WAKEFIELD AND ASSOCIATES engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. Especially my XXXX rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-12-06 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: IL

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had a business account at Truist Bank for XXXX  years. In XX/XX/2023, I was charged {$180.00} ( XXXX at {$36.00} each ) including {$36.00} for {$5.00} and {$13.00} purchases. The online baking is very confusing. One example it showed {$450.00} posted balance and then {$390.00} deducted for mortgage. The very next line showed a {$36.00} overdraft fee. The automated phone and online are not in sync or updated together. In XX/XX/2023 I went to XXXX XXXX and my purchase was {$11.00}. My account only provided {$2.00} to cover the bill. I called the and automated message stated I had a zero balance. I was fine with that because at least I didn't get charged for {$36.00}. I thought they stopped the overdraft coverage. Fast forward to XXXX and they started it again. I did call Truist and the person stated there was nothing they could do. The inconsistency is ridiculous, and I would appreciate if someone will help me with this matter.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX did not refund me for an item i returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
My information with Equifax has been breeched and I have attached proof. 

Equifax refuses to delete the following accounts : XXXX  Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX XXXXXXXX XXXX 
Account # XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX. 
Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

PLEASE DELETE THESE FROM MY CREDIT REPORT IMMEDIATELY AS I AM A VICTIM OF ONE OF THE LARGEST DATA BREACHES TO THIS DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : Pennymac Loan Servi XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Account Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so.

Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off.

I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

XXXX XXXX  Account number XXXX Account type Credit card 2.Account name XXXX  XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
4.XXXX Account XXXX XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
5.XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
6. 
XXXX XXXX  XXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
7.XXXX  XXXX  Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so.

Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off.

I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

XXXX XXXX  Account number XXXX Account type Credit card 2.Account name XXXX  XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX Account XXXX XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
XXXX. 
XXXX XXXX  XXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX XXXX  Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TN

Complaint narrative:
I am a victim of identity theft. I recently reviewed my credit report and found several accounts that were not opened by me. A collection agency called XXXX XXXX XXXX is attempting to collect a debt that was opened as a result of identity theft. I have attached a copy of my affidavit of identity theft from the FTC to this dispute which details the identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is invalid, and I demand that they be removed from my report immediately. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into this issue. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent Equifax letters since XXXX of 2023 and they are no help, they claim my letters are frivolous and not coming from me even though I sent my last XXXX of my social security # a copy of my photo ID and address verification. They have not done what I have instructed them.

Company response to consumer: Closed with non-monetary relief