vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document tha tyou have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. XXXX XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANIES. PLEASE DELETE THEFOLLOWING ACCOUNT : 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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist bank. 
I opened an account on XX/XX/XXXX or XX/XX/XXXX XXXX and deposited a check for XXXX $ ( est ) They told me it would be a week ( XX/XX/XXXX ) before funds are deposited. The next day ( day after opening account ) my account was closed for fraud. 
It has been over a month and they haven't told me what was going on. 
I'm really upset as the money was from a loan and I've had to make payments already on the amount. 
They will not give the money back at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM. 
So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX Account number : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I was not aware of the expiration date of the offer due to not receiving statements in the mail also the company send me several offers with different expiration date I used the wrong one, ended up they charge me {$360.00} and when I called I was mislead by their representative by telling me I need to make a payment then requested refund and when I did I discovered that they added more interest for the previous amount to be ended with balance to {$510.00} and they ask me to make a payments then talk to the manager who did says we are sorry we cant do any thing to help. Bank of America is misleading the customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLIANT CREDIT UNION
State: IN

Complaint narrative:
Today Iam here to report i have been dealing with a credit union known as Alliant Credit Union Holding My Account and Hard Earned Money XXXX deactivating my card and login! i have tried to resolve the issue with the company multiple times! After they have asked me for another bank statement from XXXX bank to confirm my funds from a returned check! My first attempt to resolve the issue i got in contact with someone known as XXXX who works at the Fraud Protection Team at alliant credit union she told me to send copies of my bank statements so i did! after sending her copies of my bank statements from XXXX  she tells me their altered so i go into XXXX bank directly to speak with A XXXX  Accounts manager they told me to call Alliant back only for me to get transferred to XXXX and then for her to ignore my calls and request to re-review the Correct statement provided by XXXX  directly! It has been over a month now and different Alliant Representatives are also confused as of XXXX investigation claiming shes on Vacation for over a month?! Her Negligence is costing her co workers to make excuses for her not closing this account so i will be reporting her as soon as possible to the state attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM. 
So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IL

Complaint narrative:
XXXX XXXX say they own the debt I never did any business with them before or had any accounts with them, And other companyXXXX XXXX XXXX I never did any business with These company or ever had any account with these company and I never did give any of these companies permission or my consent to have access to my personal information or 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 2024-11-09 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 am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon 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 explanation
Consumer complaint received 2024-11-09 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: AZ

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 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 explanation
Consumer complaint received 2024-11-09 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: AZ

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM. 
So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
" Shop Your Way Mastercard '' - ending in XXXX had identify problems so I asked for a NEW CREDIT CARD. 

Before card was closed, I asked if there was money owed- they said " NO '' Now a NEW CREDIT CARD ARRIVED - ending with XXXX - did NOT activate it until recently - because this company is a horror to reach and deal with - I kept telling them " I don't receive any statements from you and my online is difficult to log into for me ''! 

On Wednesday I received THREE " ALERTS '' - there is an outstanding amount owed which now appears on you " CREDIT REPORT ''!!! Alerts came from XXXX ; All Clear ID ; and XXXX! 

Sure enough - my CREDIT RATING dropped from " EXCELLENT '' to " GOOD '' - for a payment I had " NO IDEA '' I owed! 

Before this - spoke to " Customer Service '' and asked them why do I owe {$2.00} - now it states {$4.00}- on a credit card I just activated????? 

I decided to pay the {$4.00} anyway - told them I would send a check - check XXXX  XXXX, dated XX/XX/year>. 

Now I discovered they billed me AGAIN - now for {$6.00} ( additional {$2.00} interest ) - and decided to pay this AGAIN - now for {$6.00} - which I paid online- which they now have a total of {$10.00}! 

With that said, I asked them " CLOSE MY CREDIT CARD IMMEDIATELY '' - I don't want to deal with them going forward. Immediately an email from them stated " sorry to see you go ''! 

Because of them my CREDIT SCORE lowered - the first time in my entire life has this ever happened!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
XXXX XXXX XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
Credit acceptance XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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