vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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:
I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : 1. DEPTEDXXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX OF XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX, THE ATTACHED LETTER WAS RECEIVED BY THE COLLECTION AGENCY, CREDIT COLLECTION SERVICES REQUESTING THAT THEY VERIFY THAT THIS DEBT BELONGED TO ME AND THAT I WAS OBLIGATED TO PAY. IT IS NOT XX/XX/XXXX, AND I HAVE NOT RECEIVED ANY NOTICES OR RESPONSE FROM THE COLLECTOR. I FEEL THIS IS A STALL TACTIC AND A VIOLATION OF MY RIGHTS AS A CONSUMER. THIS DEBT CAN NOT BE VERIFIED BECAUSE IT IS NOT OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

U.S. Bankruptcy Court # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$4500.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$270.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$4500.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$270.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

Complaint narrative:
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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
Subject : Formal Grievance Concerning Reappearance of Unauthorized Credit Inquiries and Prohibition of Account Access To Whom It May Concern, I am submitting this formal grievance to articulate profound discontent regarding egregious discrepancies in the handling of my Equifax account, demanding immediate elucidation and remediation. My credit report now exhibits an inexplicable proliferation of unsolicited inquiries. Over the course of the past year, I meticulously preserved documentary evidence, including screenshots, verifying that my credit report was devoid of such inquiries. Nevertheless, these inquiries have inexplicably resurfaced, prompting grave concerns about Equifax 's data integrity protocols and the stewardship of my personal credit profile.

Moreover, I am now unjustly impeded from accessing my Equifax accountan account for which I dutifully remit monthly feeseffectively obstructing my ability to scrutinize and safeguard my own financial standing. This exclusion is unconscionable, and I am demanding an unequivocal account of why my access is restricted to a service for which I am a paying subscriber. Such actions are not only obstructive but also infringe upon my fundamental rights as a consumer.

In addition, Equifaxs customer service representatives have consistently provided misleading, and at times, wholly contradictory information. These discrepancies have not only contributed to my frustration but have also undermined any semblance of trust in Equifaxs operational transparency and accountability.

In light of the aforementioned grievances, I am formally requesting the following : An exhaustive investigation into the underlying cause for the reappearance of these unauthorized inquiries on my report, accompanied by a comprehensive breakdown of Equifaxs data validation and quality control mechanisms.

Immediate restoration of unrestricted access to my account, with a forthright explanation as to why my access was summarily revoked from a service to which I subscribe and financially sustain.

A cogent, systematic response addressing how Equifax intends to rectify these malpractices and detailing corrective actions to prevent further miscommunication and dereliction of customer care by your representatives.

I anticipate a prompt and meticulous response. Should this issue remain unresolved or inadequately addressed, I will pursue escalation through the Consumer Financial Protection Bureau and consider further recourse to enforce my rights.

Thank you for your immediate attention to this significant matter. I expect a resolution posthaste. 

Confirmation number : XXXX. XX/XX/year> Confirmation number : XXXX XX/XX/year> Confirmation number : XXXX XXXX. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXXXXXX XX/XX/XXXX Charge Off/Collection : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information : Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX  Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject Follow-up on Capital One Account and CFPB Case I recently spoke with Account Supervisor XXXX ( XXXXXXXX XXXX XXXX  XXXX ) about ongoing issues with my Capital One account ending in XXXX. While XXXX attempted to direct me to the appropriate department, I experienced multiple transfers, and unfortunately, the representative I spoke with at XXXX was unable to resolve my concerns. 

Capital One Case Number XXXX CFPB Case Number : XXXX I am attaching a document recently sent to me via XXXX and am re-attaching the opt-in document related to my initial complaint. 

Please review these documents and provide an update on my case status. I look forward to a prompt resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I used Citizens Bank mobile deposit to deposit a {$4700.00} check in to my account. Thh system stated that the funds would incur a hold unitl XX/XX/XXXX. As of XX/XX/XXXX, {$4400.00} is still on hold and the bank will not provide a date when the funds will be available or return the money. The check which I deposited has been cashed by Citizens. According to the Citizens Personal Deposit Account Agreement : " We will notify you of your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. '' They have done neither of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-10-31 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We have a loan modification for {$4000.00} a month that is effective XXXX and they want to charge is an additional {$3000.00}. Never got this in writing and wasnt part of the agreement. 

XXXX, You have been approved for a XXXX XXXX 3 month trial plan ( TPP ) Details are as follows : - You have been approved for a 3 month trial plan from XX/XX/XXXX to XX/XX/XXXX - Your new payment is {$4000.00} - Your old payment was {$4500.00} - You saved {$520.00} per month on your mortgage payment - You new interest rate is 6.5 %, up from 6 % - Your new loan term has been extended to a 40 year term - All foreclosure activity has been suspended - Once the 3 month TPP is paid, you will receive final docs that will need to be signed, notarized and returned in the return envelope provided- Please make sure the notary states the verification of identification when signing, XXXX. if verified via driver 's license, it must be noted- Please be sure to make your payments on time. Should the final docs not arrive directly after the XXXX payment is made, be sure to continue making the above mortgage payment, as this will be your payment going forward - There will be a final escrow analysis and escrow XXXX go up or down. This will be the only variance in your payment- You must call M & T to let them know you accept this offer - The offer should be mailed out by tomorrow Please let me know that you've read this email and understand your responsibilities and let me know if you have any questions! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX Ext. XXXX Phone : XXXX Ext. XXXX Text Only : XXXX Fax : XXXX *Please confirm all doc requests, as they are time sensitive. All docs must be faxed or emailed in PDF format only. All other formats will be rejected. Delays in providing docs will result in a denial, thus adding time to the process. Please be proactive to ensure success.

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 2024-10-31 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report.

The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$670.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
I am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report.

The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$670.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/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 2024-10-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was completely taken aback this morning to see inaccurate accounts on my credit report with no explanation. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. This whole experience has left me feeling uneasy, and Im requesting a thorough review of my submitted documents to ensure I never have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation