vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
All XXXX credit reporting agencies have my XXXX stindent loan on my credit report and its reporting a {$0.00} balance. Ive asked can this information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
All XXXX credit reporting agencies have my XXXX stindent loan on my credit report and its reporting a {$0.00} balance. Ive asked can this information be removed.

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 2024-11-23 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: FL

Complaint narrative:
I am filing this complaint regarding Equifax 's continued inaccurate reporting of a debt associated with XXXX XXXX XXXX. The original balance of this account was {$5000.00}, which I settled in full for {$4000.00} on XX/XX/year>, as agreed upon in a written settlement agreement.

Attached to this complaint are the following documents to support my case : 1. Settlement Agreement : Signed on XX/XX/year>, confirming that {$4000.00} would resolve the total balance.

2. Payment Confirmation Email : Showing the payment was completed via ACH on XX/XX/year>, in the agreed-upon amount of {$4000.00}.

3. Current Credit Report from Equifax : Still inaccurately reporting the original ba
lance of {$5000.00} instead of reflecting the settled amount as {$0.00}.

This continued error in reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite fulfilling my obligation and paying the settlement amount in full, Equifax continues to report this account inaccurately, causing harm to my credit score and financial standing.

I request the following actions : 1. Immediate correction of my credit report to reflect a {$0.00} balance for this account.

2. Written confirmation from Equifax that this error has been resolved.

Please investigate this matter promptly and take the necessary steps to ensure compliance with federal reporting standards.

Attachments for Reference : Settlement agreement.

Payment confirmation email.

Current credit report showing the error.

Thank you for addressing this issue swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law.

Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to get information on your company and find out why I see you on my credit report. According to the report, I owe you {$170.00}. Im unsure why this amount is showing and why you think I owe you this money. Can you please send me all the documents that give you the authority to collect this amount or any amount? This includes when the account was received in your office. 

The account in question XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
{$310.00} Open balance XXXX XXXX XXXX. 
Original creditor XXXX  Opened XX/XX/year> ( 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. 


{$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/year> my account was hacked into and XXXX was stolen from me I'm a XXXX person who receives SSD I have tried for a year to recover my money BTW the credit card was Direct Express I filed a complaint with Comerica bank which oversees Direct Express I also filed a complaint with the Office of the Inspection General as of today I have received one email from Direct Express saying that their fraud department was activity working on it for almost a year I have bee back and forth with this company and I still have not received any money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
budget truck rental charged my card for XXXX it was not authorized. Called citibank to inform them. When i contacted the company they stated they did not find a contract with my name on it. Sent proof to citibank those funds have not yet been credited to my account. Merchant told me it was my bank that had to refund the charge. this is very inconvenient because im on a fixed income and XXXX is a lot of money.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am unable to access my credit file with Equifax, as nothing is updated on my file since XXXX. I was recently made aware of this when I attempted to apply for a loan with my bank, where I was denied and told Equifax showed no credit file for me. I reached out to Equifax via phone and was told I needed to send in proof of who I was, therefore I mailed in a copy of my drivers license and social security card. I was told I would receive communication from Equifax within XXXX weeks of receiving these items and have not. I have had great difficulty with their customer service and often can not understand the person who I am speaking to. I was a part of the data breach Equifax had and am unsure if this is related, as the other XXXX credit reporting agencies have had no issues and show accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on XXXX, XXXX and TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm trying to access my credit report online, but my account is linked to an old email address that I no longer use. Unfortunately, I can't update the email through their online portal, and Experian makes it incredibly hard to find a customer service phone number to speak with a representative. I did manage to find a number ( XXXX ), but it wouldn't connect me to a real person. The automated options it offered didn't lead to a way to reach a representative or resolve my issue. Experian effectively locks customers out of their accounts and fails to provide adequate solutions for regaining access.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX XXXX. XXXX # : XXXX Please block this information from my credit report within four 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. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 


Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  documentation

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 2024-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
True Accord was advised not to call me anymore as the debt is not owed, True accord has continued to reach out to me via email and phone during work hours when this debt was paid and is not owed. I spoke with XXXX  XXXX Employee ID # XXXX in the mobile billing department on XX/XX/year> at XXXX Pacific Time. He informed he reached out to True accord and they confirm the account was closed with them. As the account was paid in full previously. He informed me he spoke with a representative and they assured him they will close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit file due to a data breach. I am a victim of identity theft, and as such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Fraudulent Inquiry : Creditor Name : XXXX Inquiry Date : 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 2024-11-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness.

Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
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 2024-11-23 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:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I have the right to take these actions to protect my credit and personal information. Please find the details of the accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I have the right to take these actions to protect my credit and personal information. Please find the details of the accounts I request to be blocked and deleted : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 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: GA

Complaint narrative:
I am a natural person, Im a living human being, I have rights under 15 USC 1681.

Equifax is given by 15 USC 1681. And they violated my rights numerous of times. I demand the account listen below be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give equifax written permission to furnish these accounts.

Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
I had 2 different hearing with them at the court. First ( XX/XX/XXXX ), they sent random attorney has no idea what is going on only asking how I would like to pay the amount. I said I need to explain why I didnt pay but he wouldnt listen and set another hearing day because he was just showing up for tenaglia & hunt. My second hearing ( XX/XX/XXXX ) was again with a random attorney showed up for tenaglia & hunt who wanted to get another hearing date because he was just there to show up for tenaglia & hunt. I said I wanted to set a trial date because this will never end. And we did. Right before trial date which was XX/XX/XXXX. Attorney called me from tenaglia & hunXXXX named XXXX XXXX on XX/XX/XXXX XXXX day before trial date. We made a deal original amount was XXXX but we agreed on {$2100.00} in 2 installments XXXX 2 months. They said I would receive a letter about this and all the instructions and I dont need to show up on trial next day. I never received any information. On the agreed payment date I tried to contact them but I couldn't reach thru their phone numbers. I filled a form on their website how to pay amount. They emailed me back said XXXXYou can go to our website, tenagliahunt.com. you will need your routing and account number and your file number which is in the subject line '' When I enter my file number amount wasn't agreed amount. it was original amount. I asked them back if they fix it so I can make the payment because I wasn't able to change the amount myself. They never responded. After almost a year, I received court hearing date and now my bank account has garnishment. I cant use my account. I cant login to my bank account. I cant make any of my payments to other companies. I never missed single payment all my other accounts but now I cant even see if the payments are going thru.

Company response to consumer: Closed with explanation