23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

is a formal complaint regarding the failure of Equifax to adequately address my identity theft report concerning a fraudulent account on my credit report. Despite numerous attempts to rectify this issue, the consumer reporting agencies have failed to take appropriate action to resolve the matter. 

On XX/XX/2024, I discovered that there was a fraudulent account listed on my credit report, which I believe to be a result of identity theft. Immediately upon discovering this discrepancy, I followed the proper procedure by filing an identity theft report with the relevant authorities and submitting a dispute to the consumer reporting agencies in question. 

Despite providing all necessary documentation and evidence to support my claim, including the identity theft report and any additional requested information. Equifax have failed to take meaningful action to address the fraudulent account on my credit report. This negligence has not only damaged my credit score but has also caused significant distress and inconvenience. 

I have made a attempts to communicate with the Equifax to resolve this matter, but my efforts have been met with inadequate responses and delays. It is evident that the consumer reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information on my credit report, particularly in cases of identity theft. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and compel the consumer reporting agencies to : Conduct a thorough investigation into the fraudulent account on my credit report. 
Take prompt and appropriate action to remove the fraudulent account from my credit report. 
Implement measures to prevent similar incidents of identity theft in the future. 
I have attached copies of all relevant documentation, including the identity theft report and correspondence with the consumer reporting agencies, for your reference. 

I urge the CFPB to take swift action to address this matter and ensure that the consumer reporting agencies fulfill their obligations to consumers under the FCRA. 

Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I am writing to address an issue regarding the purchase of XXXX tickets from XXXX. I used my XXXX XXXX  and email on my phone for this transaction. The XXXX provided these tickets through a third party, and despite following their instructions, I was unable to retrieve the tickets via the application. 

I had also purchased refund insurance, which allows for cancellation at any time. Consequently, I contacted both the XXXX and XXXX  XXXX XXXX to request either an alternative method to receive the tickets or a refund. They provided instructions and a URL for the refund process, but I was unable to obtain the refund. 

Determined to attend the event, I purchased additional tickets. I continued to email both organizations, as neither website offers a support phone number. I have attached all related communications to this email. 

Subsequently, I requested a refund from my credit card company, which was approved and issued. During this period, my wife XXXX XXXX to our daughter and underwent XXXX, which occupied my attention. As a result, I missed the notification on the app. Additionally, when I registered with the online app, I was set to paperless, so I did not receive any letters by mail. 

I have contacted Citi multiple times regarding this matter. Each time, they open a case and provide the same update, stating that I am not eligible for a refund for the charge because I responded XXXX  days late to their notification to submit support documents and I had done that initially when I request the dispute as well.
Product: Debt collection

On XX/XX/XXXX, I made 2 purchases using my XXXX XXXX XXXX provided by XXXX XXXX XXXX in the amount of {$57.00} and {$4.00}. I also made a purchase on XX/XX/XXXX for {$6.00}. All of these charges show as processed through my bank account. On XX/XX/XXXX I discovered my XXXX XXXX XXXX had been restricted due to non-payment from my bank. I contacted my bank and they show that all charges did go through as they are shown on my statement. 

The first time I contacted XXXX regarding this they told me I would need to wait a few days for it to clear their system and to call back later. The second time I contacted XXXX they told me to call back later because they were having system issues. The third time I contacted XXXX they told me that they showed payments still had not been received and that I needed to contact Complete Payment Recovery Systems, Inc. regarding the charges. 

Today, XX/XX/XXXX, I contact Complete Payment Recovery Systems, Inc. and they do show that all of my charges have been paid. However, 2 of the charges had to be " resubmitted '' and due to that I am being charged a {$25.00} fee. When I asked them about the fee they told me that XXXX had to notify me of the fee, even though they were the ones charging me the {$25.00}. According to the Complete Payment Recovery Systems , Inc. floor manager that even though they were the ones charging me the fee that based on " cfpb law '' they are not required to provide me with the terms and conditions showing where the fee came from and that XXXX would have to provide that to me. Even though this fee was being charged by Complete Payment Recovery Systems, Inc they assured me that they had no requirement to furnish proof of that fee and did not need authorization to charge my bank account directly. 

After getting nowhere with that call I contact the XXXX customer line again to ask about the terms and conditions of this fee. I was assured, by agent XXXX, that it was in the pamphlet that had been provided to me when I received the card, but beyond that they could not provide me with the terms and conditions. After repeated attempts with the XXXX agent trying to get some sort of back up or reasoning for this fee, even though my charges went through to my account, I was told that I would have to call back at another time.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. XXXX  ( XXXX  ) XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 

Accts In Litigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an account on my credit that I do not own. I do not have a signed contract with XXXX XXXX XXXX, nor has any documentation been provided. They have never loaned me any money. This account needs to be removed from my credit immediately.
Product: Checking or savings account

I attempted to log in to my account and it said " access blocked ''. I went to a Citibank branch on XX/XX/2023 and was told they can not help me and that I needed to call a specific phone number. When I called the phone number they told me they could not provide any information and that they would be disconnecting the call. I asked them why my account was closed and if they would be returning my funds to me and they hung up the phone.
Product: Credit reporting or other personal consumer reports

For almost a year now, I have been attempting to have XXXX removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a XXXX XXXX account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and Experian continues to report this innaccurate information on my account. 

By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. 


Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

- If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the XXXX  account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. 

this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, XXXX, TransUnion ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, XXXX, TransUnion ) keep having and miss reporting information to my file.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized credit inquiries made by three financial institutions : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX all reporting on my Experian credit report, dated XX/XX/XXXX. These banks made hard inquiries on my Experian credit report without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs permissible purposes for credit inquiries. Under the FCRA, a creditor must have a legitimate purpose, such as my explicit authorization, a credit transaction initiated by me, or a court order, to access my credit report. I have not applied for credit or had any transactions with the aforementioned banks that would justify such inquiries. Their actions are in direct violation of my consumer rights. 

The following case law is relevant to my complaint : XXXX. Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - in this case, the Ninth circuit ruled that the Fair Credit Reporting Act does not allow for a credit inquiry without a permissible purpose. The court held that accessing a consumers credit report without explicit authorization or a valid credit-related reason is an FCRA violation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) - The XXXX XXXX ruled that companies that make unauthorized inquiries or do not have a valid reason for obtaining consumer reports can be held liable for violations of the FCRA, reinforcing the need for consent or a permissible purpose under 15 U.S.C. 1681b. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( C.D. XXXX. XXXX ) - This case reaffirmed that unauthorized inquiries into a consumers credit history violate the FCRA, and the consumer is entitled to statutory damages and other relief if the inquiry was made without consent or legitimate reason. 

These hard inquiries have negatively impacted my credit score, and I believe I am entitled to relief, including the removal of these unauthorized inquiries from my credit report and any statutory damages as provided under the FCRA. 

I am requesting that the CFPB Investigate this matter and hold these institutions accountable for their unauthorized actions and furthermore, remove and delete these inquiries off of my Experian credit report. Please provide me with updates on the investigation and let me know if any further information is needed. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In or About XXXX, XXXX, I moved to XXXX XXXX area for work. Right after I moved but in the process finding a permanent resident, a XXXX at XXXX offered a stored card at the time of check out. She asked for my driver 's license. I gave her a Utah driver 's license because I just moved and I haven't gotten a California driver 's license. The cashier did not ask me for an updated information. She just scanned the Utah driver 's license and gave me a temporary number on a receipt for the new card. I paid for the groceries with new card. 
The cashier did not ask my new address. The driver 's license she scanned had an old address. I did not receive a bill or a plastic card from XXXX until the late payment showed up on my credit report. I paid the balance as soon as I found out. 
XXXX failed to ask me for up-to-date information at the time as the cashier failed to collect accurate information. It resulted in a late payment. 
I disputed this fact with Experian multiple times. But Experian kept shutting my dispute down within hours, commenting " account previously in dispute - investigation complete, reported by data furnisher ''. Adding in 're-investigation information ' section, " this item was updated from our processing of dispute in XX/XX/XXXX. '' Experian doesn't disclose what information it received from XXXX that showed I wasn't telling the truth. It failed to investigate my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. Which XXXX  claims that's where the loan was disbursed to. I have included my Identity theft report as requested by Equifax on XX/XX/22.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint against [ XXXX XXXX XXXX ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

EOS CCA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore EOS CCA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Money transfer, virtual currency, or money service

i am being scam out of my benefits illegally by direct express and XXXX and when i call them they are still telling me the same lie that i were terminated in 2005 the same year the identity theft started and are now published on XXXX no. XXXX and XXXX as fraud. also, XX/XX/XXXX XXXX XX/XX/XXXXconfirm the fraud coming through the XXXX XXXX, me ssa office by an XXXX XXXX XXXX XXXX discover from an dental appeal with XXXX XX/XX/XXXX file XXXX and XXXX plan a, b, and d. also, irs advocacy group recently informed me that an appointed public official are committing fraud against me and abusing their power. i need direct express to explain where my benefits has been going since 2005 since odar employees are telling i got the money and still getting it now, a lie.they have ssi award approval letter.
Product: Credit card

I received a letter from FNBO about my credit card I have with them stating that if I did not enroll in their paperless billing and move my banking online that I would be charged a {$1.00} every month. I called them stating if you moved my information online you not only open me up to financial crimes but identity theft as well as they would put all my information online including my SSN. They couldnt care less. In fact they hung up on me the first time. Either I start banking online or be charged this fee. And as we all know as soon as they add a fee it will be no time until they begin to increase it.
Product: Checking or savings account

i had a checking account with citi bank and they closed it out and now iam having trouble getting my money back i get nothing but different stories from different people