vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Credit Extension Uniformity Act ( XXXX ) under XXXX  XXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed under XXXX XXXX XXXXXXXX XXXX # XXXX. This account has been on my credit report for over XXXX years with several inconsistencies and errors that violate my rights under both state and federal law. I request that your agency conduct a thorough investigation into this matter, as required by law, and provide written confirmation of your findings. Issues with the Reporting Discrepancies in Dates of Activity and Verification : TransUnion reports a " Date of Last Activity '' as XX/XX/XXXX, yet the " Last Verified '' date is XX/XX/XXXX. Similarly, XXXX reports a " Date of Last Activity '' as XX/XX/XXXX but with a " Date Reported '' as XX/XX/XXXX. These conflicting timelines demonstrate a lack of consistency and reliability. Inconsistent Dispute Resolution Reporting : TransUnion states that the account is " Not Disputed, '' while XXXX reports " Subscriber reports dispute resolved - consumer disagrees. '' This discrepancy indicates failure to maintain accurate records as mandated under XXXX XXXX. XXXX ( b ). Unsubstantiated Balance Owed : The account reflects a " Balance Owed '' of {$2100.00} without sufficient evidence to support how this amount was calculated. The " Payment Amount '' is listed as {$0.00}, yet the account is reported as " Charged Off as Bad Debt. '' This is inconsistent and likely inaccurate, violating the FCRAs requirement for complete and accurate reporting. Derogatory Status Without Evidence : The " Derogatory '' status and " Collection/Chargeoff '' designation lack validation or supporting documentation from the original creditor. Additionally, no proper notice of this debt being charged off was provided, which may violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Failure to Verify Information : The creditors failure to adequately validate the accuracy of the information before furnishing it to the credit bureaus violates their responsibilities under 15 U.S.C. 1681s-2 ( b ).

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 2025-01-05 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: PA

Complaint narrative:
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Credit Extension Uniformity Act ( XXXX ) under XXXX XXXXXXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed under XXXX XXXX XXXXXXXX XXXXt # XXXX. This account has been on my credit report for over XXXX years with several inconsistencies and errors that violate my rights under both state and federal law. I request that your agency conduct a thorough investigation into this matter, as required by law, and provide written confirmation of your findings. Issues with the Reporting Discrepancies in Dates of Activity and Verification : XXXX reports a " Date of Last Activity '' as XX/XX/XXXX, yet the " Last Verified '' date is XX/XX/XXXX. Similarly, Experian reports a " Date of Last Activity '' as XX/XX/XXXX but with a " Date Reported '' as XX/XX/XXXX. These conflicting timelines demonstrate a lack of consistency and reliability. Inconsistent Dispute Resolution Reporting : XXXX states that the account is " Not Disputed, '' while Experian reports " Subscriber reports dispute resolved - consumer disagrees. '' This discrepancy indicates failure to maintain accurate records as mandated under 15 U.S.C. 1681e ( b ). Unsubstantiated Balance Owed : The account reflects a " Balance Owed '' of {$2100.00} without sufficient evidence to support how this amount was calculated. The " Payment Amount '' is listed as {$0.00}, yet the account is reported as " Charged Off as Bad Debt. '' This is inconsistent and likely inaccurate, violating the FCRAs requirement for complete and accurate reporting. Derogatory Status Without Evidence : The " Derogatory '' status and " Collection/Chargeoff '' designation lack validation or supporting documentation from the original creditor. Additionally, no proper notice of this debt being charged off was provided, which may violate Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). Failure to Verify Information : The creditors failure to adequately validate the accuracy of the information before furnishing it to the credit bureaus violates their responsibilities under 15 U.S.C. 1681s-2 ( b ).

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally report unauthorized hard inquiries on my credit report as a result of identity theft. I did not authorize these credit inquiries, nor did I apply for any new lines of credit associated with them.

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 2025-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally challenge the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to have been caused by a data breach or fraudulent activity. I request verifiable proof, including documentation with my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf, not through any third party, and I ask that you review it with careful consideration. These actions were not authorized by me and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have reached out to the companies linked to these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are incorrect and likely result from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you investigate these issues promptly and take immediate steps to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am disputing the collection account with SELFINC/LEAD, account number XXXX, dated XX/XX/year>, with a balance of {$140.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear Capital One Customer Advocacy Office, My name XXXX XXXX XXXX I am writing to formally dispute the accounts ending in XXXX, which were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I demand that Capital One immediately investigate and remove these unauthorized accounts from my credit report.

Grounds for Dispute 1. Potential Data Breach and Compromised Information The phone number and address used to open these accounts could have been exposed in a data breach. As you are aware, personal information stolen in breaches is often used to commit identity theft. XXXX XXXX  reliance on public records is insufficient proof of my authorization of these accounts. 
XXXX. Failure to Verify Identity Properly While you claim my Social Security Number ( SSN ) and date of birth match your records, these identifiers alone are not proof of authorization. Identity theft frequently involves the fraudulent use of valid SSNs and dates of birth. 
3. Unverified Recorded Calls Your assertion that I acknowledged ownership of the accounts in recorded calls is baseless unless you provide full transcripts or recordings for review. Any such communication may have been the result of confusion, misrepresentation, or error. 
XXXX. Violation of FCRA By refusing to provide me with billing statements without additional verification steps, you are hindering my ability to properly investigate these fraudulent accounts, violating my rights under the FCRA to access accurate and complete information about disputed accounts. 
XXXX. No Evidence of Residency or Authorization The mere fact that mail sent to XXXX XXXX XXXX XXXX, XXXX, IL, was not returned does not prove my residency or authorization. This address could have been used fraudulently by the perpetrator of identity theft. 
Requested Actions Under FCRA 611 ( 15 U.S.C. 1681i ), I request the following actions : XXXX. Remove the account ending in XXXX from my credit report immediately. 
XXXX. Provide me with all documents, applications, and correspondence associated with these accounts for review. 
XXXX. Submit a revised report to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) reflecting the removal of these accounts. 
XXXX. Cease collection efforts on these accounts and notify your recovery department accordingly. 
Supporting Documentation I am enclosing [ list of any documents you may have, e.g., police report, FTC identity theft report, etc. ].

If you fail to comply, I am prepared to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), and I will consider seeking legal remedies under the FCRA.

Please respond to this dispute within 30 days of receipt as required under FCRA 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early warning continues to provide false information thats causing me to be declined by major banks. As my accounts where fraudulent open without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> {$2000.00} mobile deposit received XX/XX/year> {$2000.00} deposit was accopted XX/XX/year> funds delayed Account closed : no funds withdrawn / wont allow me to withdraw funds / check cleared / boss supervisor called & confirmed details and writing of check via telephone

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Credit Report Dispute Dear TransUnion Dispute Department : I am writing to dispute information that appears in my TransUnion credit report. After careful review, I have identified the following items that require investigation and correction : Account : XXXX  XXXX ( Account ending in : XXXX ) Currently showing as " Derogatory '' status This account was included in XXXX  XXXX bankruptcy The status should reflect " Discharged in Bankruptcy '' Account : XXXX XXXX  ( Account ending in : XXXX ) Current status shows as " Derogatory '' Account was included in XXXX XXXX bankruptcy Please update to reflect proper bankruptcy discharge status Under the Fair Credit Reporting Act, you are required to investigate these disputes and verify the accuracy of the information or remove/correct any inaccurate information within 30 days. 
Please send me the results of your investigation at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of credit report pages showing disputed items

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a purchase at XXXX XXXX  in the beginning of XXXX and XXXX cards were used for this transaction. I had issues with the merchant and decided to pay cash for the product instead of having it put on my cards. They had to refund the whole amount so they needed to refund my XXXX XXXX credit card and my bank of america debit card. The merchant did not ever issue the refund and after speaking with the manager for almost a month trying to resolve the issue, I told him that I was going to file a dispute. He said go ahead, so I did. The dispute on my XXXX XXXX credit card was accepted and I got that money back. My bank denied my dispute and I didn't find out until XXXX when I accidentally found it on my banking app because I NEVER received a letter telling me that it was denied due to me authorizing the charge which I didn't deny that so they should've never denied it. I never even received a call asking me anything about the dispute before they denied it. XXXX XXXX also said that they were never contacted by my bank. They opened the dispute back up only for them to deny it again based off it being outside of the time frame so I called back up there again and they opened it back up because the lady said that because i never received a letter that it wasn't outside of the time frame. I have been confused the entire time being that it should've NEVER been denied in the first place and now bank of america can't give me any reason why they denied it in the first place and they can not send me any documentation either. I sent them a letter outlining what had happened before I made this complaint while I was waiting for the final answer after they opened the dispute 3 times. The Bank Of America employee that reopened the dispute the last time told me to write the letter. They denied the dispute anyway and on XXXX XXXX, XXXX  they finally had an answer again and it was denied. I never received any documentation for this dispute ever and only can see it on my banking app sometimes. They take anything down that is 3 months or more old so I do not have access and they will not send it to me. I have requested them send me all documentation and they said they can't and that it has already been sent to me which it hasn't. I am out almost {$3000.00} and this is not ok. Please read letter I uploaded for all details. Thank you. Please help me.

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 2025-01-05 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: MA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief