vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
Im disputing XXXX XXXX XXXX XXXX account # XXXX. On all 3 credit bureaus are reporting dispute accurate and Ive been telling them that XXXX XXXX wasnt reporting to them correctly. 
All 3 credit bureaus are reporting all different things. I have underlined everything on each picture of why the account is NOT accurate. You did not do a full investigation. I have sent all 3 credit bureaus this same message.

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 2025-02-15 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:
Dear Equifax, TransUnion, and Experian, I am writing to formally dispute and request the removal of fraudulent information from my credit reports. As a victim of identity theft pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts and inquiries must be removed promptly. 
The following fraudulent accounts and inquiries were opened or initiated in my name without my consent. I have attached supporting documentation, including a copy of my identity theft report for your reference. 
Fraudulent Accounts Found on My Credit Reports The following accounts were fraudulently opened in my name and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries Found on My Credit Reports The following credit inquiries were made without my knowledge or approval and must also be removed : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  Equifax Request for Immediate Action Under Section 605B of the FCRA, you are required to block and remove all fraudulent information related to identity theft once proper notification and documentation are provided. Please : Remove all listed fraudulent accounts and inquiries from my credit reports. 
Send me a confirmation once the removal process is complete. 
Inform me of any additional steps or documentation required to expedite this process. 
Supporting Documentation I have enclosed the following documents for your review : A copy of my government-issued ID ( e.g., drivers license or passport ). 
A copy of my identity theft report filed with law enforcement. 
A copy of my proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit reports highlighting the fraudulent accounts and inquiries. 
Contact Information Please do not hesitate to contact me directly if further information or clarification is needed. I can be reached at ( XXXX ) XXXX ] or [ XXXX ]. I look forward to a prompt resolution to this matter. 
Thank you for your immediate attention to this issue. 

IVE ALSO ATTACHED MY XXXX REPORT SHOW THE FRAUDULENT INFORMATION REMOVED FROM THE INVESTIGATION DONE BY THIS CREDIT BUREAUS.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Equifax, TransUnion, and Experian, I am writing to formally dispute and request the removal of fraudulent information from my credit reports. As a victim of identity theft pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts and inquiries must be removed promptly. 
The following fraudulent accounts and inquiries were opened or initiated in my name without my consent. I have attached supporting documentation, including a copy of my identity theft report for your reference. 
Fraudulent Accounts Found on My Credit Reports The following accounts were fraudulently opened in my name and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries Found on My Credit Reports The following credit inquiries were made without my knowledge or approval and must also be removed : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  Equifax Request for Immediate Action Under Section 605B of the FCRA, you are required to block and remove all fraudulent information related to identity theft once proper notification and documentation are provided. Please : Remove all listed fraudulent accounts and inquiries from my credit reports. 
Send me a confirmation once the removal process is complete. 
Inform me of any additional steps or documentation required to expedite this process. 
Supporting Documentation I have enclosed the following documents for your review : A copy of my government-issued ID ( e.g., drivers license or passport ). 
A copy of my identity theft report filed with law enforcement. 
A copy of my proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit reports highlighting the fraudulent accounts and inquiries. 
Contact Information Please do not hesitate to contact me directly if further information or clarification is needed. I can be reached at ( XXXX ) XXXX ] or [ XXXX ]. I look forward to a prompt resolution to this matter. 
Thank you for your immediate attention to this issue. 

IVE ALSO ATTACHED MY XXXX REPORT SHOW THE FRAUDULENT INFORMATION REMOVED FROM THE INVESTIGATION DONE BY THIS CREDIT BUREAUS.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX of XXXX my checking account was locked due to a possible fraud investigation. 
I was provided a phone number to inquire and following their directions I am still not able to get answers. I have called this number several times and no one can help. I have visited a bank branch, and the clerks sent mail within the Truist company to fraud group, and they never get a response. This has been going on for XXXX years and XXXX months. I have never talked to any investigators, and I have never received any mail correspondence. 
I was told at the beginning that these investigations can take between XXXX and XXXX days. 
We are well passed that and still not able to get any information. I last visited a branch on XX/XX/XXXX and XXXX, sent another mail to the fraud group. I am not expecting to get an answer. XXXX years and XXXX months is long enough. Action is needed. 
Thank You

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 2025-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I am writing to formally express my dissatisfaction with the handling of my credit report dispute. Despite my repeated requests, I believe Experian has failed to conduct a reasonable reinvestigation of the disputed information, as required under the Fair Credit Reporting Act ( FCRA ). As a result, inaccurate and unverifiable accounts remain on my credit report. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, highlighting systemic issues that may directly impact consumers like myself. My experience mirrors the CFPB 's concerns, as Experian has neither corrected nor removed the disputed items from my report. 

I demand that you immediately delete the inaccurate and unverifiable accounts from my credit report. Additionally, I request that you conduct a thorough and compliant reinvestigation in accordance with the FCRA to ensure full accuracy. 

For reference, I am asserting my rights under the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) Challenges the 30-day response timeframe.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Challenges the adequacy of the investigation process.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Challenges reinsertion protocols for disputed information. 
I expect a prompt and compliant response confirming the deletion of these items from my credit report. Please provide written confirmation once the deletions have been completed. 

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 2025-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian

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 2025-02-15 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: CA

Complaint narrative:
XXXX XXXX : XXXX : Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US 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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
My checking account was frozen on Monday, XX/XX/XXXX. I called every day that week to get it unlocked, and at first, they told me to wait 3-5 business days, so I did. But then they said to wait 30 whole days just to access my funds, which is ridiculous. So I'm now submitting a complaint here because it's completely unreasonable to have to wait a whole month to simply access my funds because they deem it suspicious. When I, the owner of the account, is clearly telling them that I authorized all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got the credit card in XX/XX/year> with a {$900.00} credit limit. I used {$870.00} for my dogs vet visit. From XX/XX/year> to now I have paid almost {$500.00} and my balance is some how {$830.00}. I havent used the card since we used it for the dogs XXXX  visit in XXXX. They are charging me random security fees and interest charges that are equal to or more than the monthly amount due. This company is extremely shady and predatory

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 2025-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
My loan with Amerisave was transferred to XXXX XXXX XXXX on or around XXXX. XXXX payment waa made on XXXX! XXXX, the amount of XXXX, XXXX. A request for hardship assistance was sent prior, received on XXXX according to USPS tracking. A notice ofdefault/foreclosure was received today, XXXX called Amerisave and XXXX XXXX XXXX to clarify, unable to reach a live rep at either company. Payments are scheduled for months of XXXX and XXXX with XXXX XXXX XXXX. I fully intend to honor those payments I request AmerisaveXXXX XXXX XXXX allow time for payments to post before default l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I received a notification about a delinquency on my College Ave student loan accounts the loans have been paid off since XXXX of this year yet I received three delinquent notifications on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My credit score drastically dropped ( roughly XXXX points ) and Im having a hard time understanding why. All my loans were paid in full and on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit profile that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit profile negatively when they are unauthorized and unverified and serve no permissable purpose/ I was also involved in the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit profile that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit profile negatively when they are unauthorized and unverified and serve no permissable purpose/ I was also involved in the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
According FCRA 611 ( 15 U.S. Code 1681i ) to dispute inaccurate information ; Request that inaccurate, unverifiable, or outdated accounts be removed. 
My information has been leaked due to this reporting agency. 
Experian has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According FCRA 611 ( 15 U.S. Code 1681i ) to dispute inaccurate information ; Request that inaccurate, unverifiable, or outdated accounts be removed. 
My information has been leaked due to this reporting agency. 
Experian has violated my rights

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, all my accounts at Bank of America was closed without my knowledge. I called and they said it was a business decision. They closed my checking, savings, all the credit cards with bank of america without any explanation or notice. I can not withdraw any money from my account. The bank of America said that it will take 10 to 20 days before they will send me cashier check which is odd. I have been banking with them for 25 years. They also unlock my debit card without my authorization. 
Please help as I have no money to put gas in my car. Thank you.

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 2025-02-15 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: PA

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get this deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
The company is " State Collection Service , Inc. ''. Was not aware of their contact/effort until XX/XX/XXXX. I filed a dispute on XX/XX/XXXX asking to verify the debt as I do not believe it is valid. The organization took 83 days to respond. Far beyond the 60 days outlined in the Fair Debt Collection. Practices Act ( FDCPA ). Their response is dated XX/XX/XXXX which is still beyond the 60 day limit. Document provided ( attached ) does not evidence amount. I disputed again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TN

Complaint narrative:
XXXX is still reporting a balance on my account of {$880.00}. This account was charged off. I did not receive form 1099 C from them. Please remove from credit report or I will sue them and report to IRS. 

XXXX XXXX also shows balance owed. I never received 1099 C.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX is still reporting a balance on my account of {$880.00}. This account was charged off. I did not receive form 1099 C from them. Please remove from credit report or I will sue them and report to IRS. 

Capital One also shows balance owed. I never received 1099 C.

Company response to consumer: Closed with explanation