vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Since XX/XX/XXXX, I have been trying to get Equifax to fix my credit report Ive been given multiple different answers of why not receive my report ( ect that code XXXX doesnt exist, we have filed a claim for you ) just now XX/XX/XXXX. They finally told me they needed physical unreacted copies of my drivers license Social Security number and a recent bank statement. In my opinion that is not a safe viable option they refuse and say that the department does not have any email phone number and only deal with physical mail. I dont see where I need to put my life and potential credit fraud situation. They already have had data breaches how can I trust them to handle physical documents that are sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ), TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto account opened with XXXX XXXX XXXX auto account with XXXX XXXX, personal credit card with XXXX XXXX, a personal loan with XXXX XXXX an auto account with XXXX XXXX, a personal credit account with XXXX, a personal credit account with XXXXXXXX XXXX, a personal credit account with XXXX, and XXXX  account with XXXX XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto account opened with XXXX XXXXXXXX XXXX auto account with XXXX XXXX, personal credit card with XXXX XXXX, a personal loan with XXXX XXXX, an auto account with XXXX XXXX, a personal credit account with XXXX, a personal credit account with XXXX XXXX, a personal credit account with XXXX, and XXXX  account with XXXX XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received a text message to my phone saying that it was a fraudulent transaction for {$980.00} and I needed to call. I contacted the bank and explained that it wasnt me, I was told that my card would be closed and I needed to go and get a temporary card, I went into the bank and got a new card. Just to receive a email the next day stating that my account was negative {$1400.00} from the same merchant I had previously told them I didnt use! I called and was told it was a mistake on their end because the old card was never closed. I submitted a claim and was told that they denied the claim saying that the chip was used but I had already told them I didnt have the card. I have now no way to pay my bills, get my son to daycare, nor get to work all because of Truist Bank failing to do their job and protect my account and now I will be in debt and struggling financially because I cant get my money back.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-27 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: NJ

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 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 2024-12-27 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/year> Best buy/CBNA In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-12-28 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX 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 ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly. 
TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams, Rush & Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my XXXX credit report and identified an account reported by Will Rush ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with account number ending in XXXX. This account is listed as a collection account with a balance of {$7300.00} and a high credit limit of {$3700.00}. 

I do not recognize this account, and upon further review, I identified several inconsistencies and errors that raise concerns about the accuracy and validity of this reporting. 

Key Issues Identified : Balance Discrepancy The reported balance ( {$7300.00} ) exceeds the high credit limit ( {$3700.00} ), which suggests errors, unverified fees, or penalties that have not been properly documented or disclosed. 

Missing Payment History The account lacks payment history details and date of last payment, preventing verification of whether the debt is valid or time-barred based on the statute of limitations. 

Ownership and Chain of Custody It is unclear whether this debt is still owned by XXXX XXXX XXXX XXXX XXXX or if it has been sold to a third-party debt buyer ( Will Rush ). The company has not provided proof of ownership or documentation validating the debt. 

No Loan Terms Listed The report does not disclose any loan terms, repayment schedules, or interest rates, which further raises questions about whether this debt has been modified, settled, or inaccurately reported. 

Actions Taken : On XXXX XXXX XXXX, I submitted a formal dispute letter to XXXX  and

Will Rush requesting : Validation of the debt, including copies of the original loan agreement, payment history, and proof of ownership.

Correction or removal of the account if the information can not be verified as accurate.

I have yet to receive a response or acknowledgment from either party.

Resolution Requested : I request that the Consumer Financial Protection Bureau ( CFPB ) review this case and require the company to provide proof that : The account is valid and accurate. 
The balance and fees are legally justified. 
They have the legal authority to collect on this account. 
If the company can not validate the debt or correct the errors, I request that the account be deleted from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY
! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to viol
ations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-30 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: FL

Complaint narrative:
USPS Priority Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax currently has 5 unauthorized inquires reporting on my Equifax credit report. I have no existing accounts with these companies that are reporting inquires on my credit report and I did not initiate these inquires. 

These inquires arose from IDENTITY THEFT on my consumer report and Equifax failed to verify as required by law on my consumer report. Equifax has a history of inaccurate reporting for my Consumer Credit Report. Equifax also has a history of ignoring my identity theft letters regarding unauthorized inquiries. In the past, Equifax has failed to report my current address correctly, and even stated my father 's name, XXXX XXXX, and other names such as XXXX XXXX as my own personal name in the past. I address all this in my Identity Theft Letter and Change of Address Letter. See XXXX County Sheriff Police Report ID : XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. XXXX & XXXX have deleted alleged unauthorized inquires from my credit reports throughout the year XXXX. 

Equifax is suppose to operate in Uniform with its fellow credit reporting agencies. Secondly, Companies are using my copyright name for unauthorized commercial gain. All supporting documents are attached. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer 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. 

as an independent contractor working as a field engineer, my consumer credit profile is very important to me. I have completed 2 XXXX remodels contracts in XXXX, and worked the the XXXX XXXX XXXX in XXXX FL with XXXX engineers and XXXX XXXX XXXX IT Services staff. Small Business financing is very important for me to secure more long term contracts for the future. inaccurate reporting by Equifax is hindering my small business operations. I also have a XXXX  brother that was hazed by the XXXX XXXX  XXXX on XX/XX/XXXX. XXXX XXXX, my only sibling. It is national news, XXXX " XXXX police XXXX XXXX  ". I am keeping count of the economic and monetary damages Equifax is causing me, my small business, and my family. I will submit an affidavit of truth and invoice Equifax for my monetary damages if this is not resolved shortly. 

Unauthorized Equifax Inquires : EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX N/A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : 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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I disputed a credit card account with synchrony bank in XXXX and was told that the account was with a third-party credit, Collection Agency . I contacted the third-party agency and they told me that they did not have a contract that bound me and synchrony bank, and to reach out to synchrony for the contract. I ordered Is cease-and-desist with the third-party which is no longer associated with this matter. The account was sent back to synchrony. Bank. About a week later synchrony then sent me a letter stating that the account will be closed Immediately and reported to all three credit reporting agencies - XXXX, experian, XXXX in which it did. The deletion reflected on my credit report on XX/XX/year> and then it showed back up on XX/XX/year>. I called synchrony bank and they told me that the account would reflect later and that it had to process in which it did on XX/XX/year>. On XXXX XXXX I checked my credit report and the account had been added back to my report again. I called synchrony bank, and they said that the debt was valid and that they sent the Collection to another third-party XXXX XXXX When I contacted the third-party, they told me that they did not have The original contract and to contact synchrony bank again. synchrony bank told me that they do not have the information on the Account anymore.This there is nor Has there ever been a contract at all as this is a case of identity theft. I put symphony, Bank, and the third-party Collection Agency and and the credit reporting agencies on notice to have my information taken off of their platforms due to multiple violations under the federal law. I am now being told that I have to Wait, another 30 days for the account to be re-investigated which is interfering with my private affairs.

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