vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of trafficking. 

XXXX. XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX. Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Credit Card XXXX XXXX  BANK NA Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX XXXX Account Number : Date opened : XX/XX/XXXX Date Closed : N/A Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of trafficking. 

XXXX. XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX. Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Credit Card XXXX XXXX BANK NA Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXX XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and XXXX XXXX XXXX XXXX  Account Number : Date opened : XX/XX/XXXX Date Closed : N/A Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
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 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i am composing this message and complaint personally because i need help! Equifax the reporting agency is reporting inquiries on my report that i did not approve of/ This is hurting my credit profile and hindering my credit success. I am looking to get a new home in the future and they are making my life hard with these inquiries reporting on my consumer report. I have tried to call them and speak to a manager but the representative continues to place me on hold after saying they can help me, but they do not. I am depressed and i need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Today i recieved a collection notice from CCS, for an insurance company, i called to dispute, informed them that I have had XXXX for several years not this sentry, they said they would still be placing it on my credit report. 


under 605b this is illegal

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Collection/Charged Off XXXX XXXX XX/XX/XXXX {$610.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$9000.00} XXXX Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I dent know why this person at Well Fargo keeps closing the file. I want this person not to be the one reading, and trying not to help out .I need someone that goes into the account and pulls out copy of the checks that where made out to the bank for the safe deposit boxout just send me back a paper with no information, but the one you making up.Also I would like to add my investments XXXX in XXXX XXXX they were up it was a XXXX year free tax on this investment.I went personally to update my information, why haven't i received any notice, but the unclaimed homeless and need to bury my father this is a serious matter you can't keep playing, or get someone that wants to help and not you whom is just wasted my time here and at the complaint are you not the same person.

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I woke up and noticed i didn't have cell service. I called the provider and was told that the number and service was transferred to another phone ( I didn't do that ) and they transferred it back to my phone as I requested. That day, I could not get into my personal email, online banking, or into my 2 credit cards online. When finally i could, I noticed I had fraud charges on my 2 credit cards, 2 fraud transactions ( {$40.00} & {$1800.00} ) were pending in my checking account and $ XXXX was moved from my savings to checking account ( also pending. ) I rushed over the same day to my bank and told them to stop those charges and transfers and they opened new accounts for me but they said I couldn't stop the fraud transactions and that i had to wait for them to clear. I waited, disputed them on XX/XX/XXXX, when they had cleared. When they had cleared, a phone number showed on the {$1800.00} transaction in online banking so I called that and learned it was a XXXX XXXX transaction. I called XXXX XXXX and they gave me a case number of XXXX, with a recipient in XXXX, and told that they agreed it's fraud and to give case number to bank and law enforcement, which I did. I filed the case with the XXXX XXXX  department as well. The bank gave me provisional credits on XX/XX/XXXX for the {$1900.00}, but on XXXX they reversed the {$1800.00} and I did not get this money. They said that they have no chargeback rights moving forward and to contact the merchant and that they could do nothing for me. I called XXXX XXXX and they said that bank had NOT contacted them and that the money was already transferred and that they could do nothing. I've also filed an XXXX report and to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Source Receivables Management , LLC XXXX XXXX XXXX XXXX, NC, XXXX Re : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt. Account Number : XXXX Amount Owed : {$1700.00} As part of the debt validation process, I request that you provide the following : The complete details of the debt, including the amount owed and the dates of the debt. An original copy of the contract bearing my signature. A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection. A detailed statement of the account showing any payments made, interest added, or other adjustments from your agency as well as the original creditor Proof that your agency is licensed to collect debts in my state. Please note that I request this information within the XXXX period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. I have made multiple attempts to obtain this information from your company. 

Thank you for your cooperation. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: OH

Complaint narrative:
While XXXX from XXXX XXXX XX/XX/year>, my identity was stolen twice in Georgia XXXX I was not even in the United States. I have military orders and documentation to prove it. I am currently disputing the other collections charge via court in XXXX, OH. I have initial police report I filed while XXXX as well. I have never lived, visited, let alone opened a loan or utilities in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NV

Complaint narrative:
Requested that Experian update my consumer report to show ONLY 1 NAME, DOB, AND ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT. should show as presented below. They currently housing more than 3 variations of my name and address and they are all inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank is in accurately reporting my payment history on the care credit account. My last payment was on XX/XX/year>. I am requesting my payment history reflects that in accuracy.

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 2024-12-13 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a bill from Jefferson Capital that I owe them the amount of {$3700.00} which I have no authorization to purchase or borrow this amount. I am disputing this as this is a fraud. 
I have filed a police report as the representative name XXXX from Jefferson Capital advised me to do so. See attached file documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXXXXXX

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 2024-12-13 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. These accounts were the result of unauthorized activity and should not appear on my credit file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: WA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the affected accounts and inquiries that I request to be blocked and deleted : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief