vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: KY

Complaint narrative:
Conatcted XXXX XXXX, covington credit and disputed witb XXXX so covington credit got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with XXXX and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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: 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:
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. 

1.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 XXXX 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 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. 
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 XXXXXXXX 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/XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from Equifax and XXXX on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XX/XX/23. On XX/XX/23 I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XX/XX/23. I called back today XX/XX/23 to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past 3 or 4 months trying to correct this. The supervisor at Equifax was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
I was paid up to date three out of six months @ my XXXX XXXX  apartment complex when I received a notice stating I had several days to leave because a tenant witnessed/stated they saw me not pick up after my dog. 
I left by the date they asked me to leave during the height of the Covid pandemic in AZ. These allegations were made falsely against me, and I agreed to leave despite disagreeing with the information. I was paid up to date and should not be responsible for {$3000.00} debt collection because theres no proof I broke the breach of contract in this apartment complex as their just trying to kick me out and get someone else in and to make more money off the both of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX at around XXXX I received a call from a number that identified as BOA. A man on the phone identified himself as a BOA fraud specialist XXXX XXXX and gave an ID #. He even said the call was being recorded for training purposes. He asked if I had opened a new checking account. I told him no. He then asked if I had made two XXXX payments, one for XXXX and XXXX. I told him no. He then said the account had been closed but he had to transfer me to a XXXX fraud specialist, his name was XXXX, to reverse the transactions. He gave ne a confirmation number XXXX to give to the XXXX specialist. He transferred me and this guy walked me though the reversal process. He gave me a code which was XXXX to put into XXXX, with myself as the recipient. He had me put in XXXX. He said it would com back to me and it did. He then had me do the XXXX and said this would take a bit more time. The message came up about sending and warning but he said to disregard it as this was the only way to keep the funds in my account and prove I did not send them. I kept telling him I was not comfortable doing this. He kept saying he was only there to protect my funds. He was so professional and believable. I am always wary of scammers but these individuals took it to another level. I even called the number with my husband 's flip phone to verify it was BOA. It was. I am on XXXX and this devastated us. Luckily I had an emergency account at XXXX XXXX and I transferred XXXX into my account to cover my bills that hit my account that Nighy. I was even questioned about that. One BOA person suggested my husband did this. My husband does not do any banking as I handle all finances. One BOA fraud personal said it went into another BOA account! I've been a customer with them since XXXX. I am so distrustful now of everyone. 
XX/XX/XXXX I got a phone call from XXXX XXXX XXXX saying XXXX would be my Fraud specialist going forward. Giving her number as XXXX XXXX XXXX. When you call it it just says XXXX XXXX and beeps. BOA says no one will call me so they were scammers. This is insanity! I just want my XXXX back and to.never have to answer my phone again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 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: OH

Complaint narrative:
I have sent 3 letters to Transunion since XXXX all requesting validation of the debts that are being reported by third party. They are sending me letters stating I am not the one sending them letters although I send them a copy of my photo ID and current utility bill which verifies my address.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. EXPERIAN said they did verify this account with XXXX XXXX XXXX XXXX XXXXXXXXbecause I have proof from this company that I don't have a account so my question is why is it on my credit file. PLEASE hold this company accountable.I submitted proof of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my 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

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Fraudulent charges were made to two Synchrony home cards from XXXX XXXX in XXXX, NY. Both cards originate from the Synchrony company and were used to make large purchases at the XXXX XXXX store over two months. Once I closed one card they then used another card to make further purchases. These two cards have never been out of my possession or used physically at any store location to make any purchases.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to resolve this with Experian and they are no help at all. I sent letters since XXXX all proof of delivery certified mail witn USPS.

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