vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : ( Mortgage ) XXXX XXXX XXXX XXXX 
Balance {$0.00} opened XXXX XXXX, XXXX - account number XXXX ( Mortgage ) XXXXXXXX XXXX XXXX Balance {$41000.00} opened XXXX XXXX, XXXX - account number XXXX ( Auto Loan ) XXXX XXXX XXXX Balance {$22000.00} opened XX/XX/XXXX - account XXXX ( Auto Loan ) ALLY FINANCIAL Balance {$0.00} opened XX/XX/XXXX - account number XXXX ( Auto Loan ) XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX - account number XXXX ( Secured Loan ) XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX - account number XXXX ( Credit Card ) XXXX XXXX  Balance {$0.00} opened XX/XX/XXXX - account number XXXX ( Collection ) XXXX XXXX XXXX XXXX {$320.00} opener XX/XX/XXXX - account number XXXX ( Debt Collector ) XXXX XXXX XXXX Balance {$680.00} opened XX/XX/XXXX - account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation
Consumer complaint received 2025-02-04 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:
I recently discovered an unauthorized hard inquiry from XXXX XXXX on my TransUnion credit report, dated XX/XX/year>. As a victim of identity theft, documented in my FTC Identity Theft Report ( Report # XXXX ), I did not authorize this inquiry. 

On XX/XX/year>, I sent a certified letter to TransUnion disputing this inquiry and requesting its removal, as per FCRA 15 U.S.C. 1681c-2 ( a ). TransUnion responded by advising me to contact XXXX XXXX  directly. Following their guidance, I mailed a dispute letter to XXXX XXXX  on XX/XX/year>, including all necessary documentation. 

I also filed a CFPB complaint against XXXX XXXX  ( Complaint # XXXX ) to ensure compliance. Despite these efforts, I have not received confirmation that the inquiry will be removed.

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
The collection amount of {$700.00} was placed on my credit approximately 3 years ago. Prior to this debt going to a collections company, I attempted to reach out and negotiate the terms numerous times through the original company and never received a response. I was never aware of this amount as no one from the company of XXXX XXXX attempted to negotiate with me and try to arrange matters prior to collections and suddenly they forward this over to a collection company. Over the years, the collection company has not removed this debt from my credit as they never provided any validation. Also the company that sold this, had no legal right and did not inform me of this debt. I had disputed this matter several times through XXXX and never received a sufficient update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: DISCOVER BANK
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

Bank : XXXX XXXX XXXXXXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Incident Date : XX/XX/XXXX I dont recognize the following numbers in question. Im a victim of identity theft and I dont recognize this transaction on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant invconvenience and financial loss, and I seek approriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$82.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$22000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$870.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$00.00}

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 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 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: IL

Complaint narrative:
XXXX XXXX and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX XXXX and TransUnion have neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives victims of identity theft the right to block fraudulent information from their credit reports.

What does Section 605B do? 
Requires credit bureaus to block fraudulent information on a consumer 's credit report within four business days Requires credit bureaus to notify the source of the information that a block has been requested Protects consumers from having inaccurate information on their credit reports due to identity theft How does Section 605B work?

A consumer provides proof of identity, an identity theft report, and identifies the information they want blocked The credit bureau blocks the information The credit bureau notifies the source of the information

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, account was opened with Citi bank relationship manage XXXX XXXX. Everything was smooth and working fine. On XX/XX/XXXX, Citi bank started to charge bank fee {$24.00} per month without my consent nor my authorization. Each month, bank fee was deducted from my account from the range of {$23.00} to {$24.00} from XX/XX/XXXX to XX/XX/XXXX with a total of XXXX times with total amount of {$390.00}. Starting XX/XX/XXXX, the monthly bank fee jumped to {$170.00}. From XX/XX/XXXX to XX/XX/XXXX, Citi bank deducted bank fee 5 times with total amount of {$860.00} ( in addition of the {$390.00} listed above ). I have tried to contact XXXX XXXX by email to resolve this bank fee issue. She directed me to the branch. I went to the Citi branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX talked to XXXX XXXXXXXX XXXX. He directed me to contact my relationship manage ( who is XXXX XXXX ). Citi bank gave me the run around. I have no where to go, so I contact you CFPB. Please help me to resolve this issue. The bottom line is the bank fee has been deducted from my account without my consent nor authorization.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called Equifax Information Services and Experian to unlock my account so I could check on my credit report they requested a copy of my driver license and social security card and i sent in the information but they have not unlocked the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I want to emphasize that this complaint is serious and not a misunderstanding. My credit report contains errors that clearly do not meet the standard of maximum possible accuracy. These mistakes are taking a heavy toll on me, both financially and emotionally, and the ongoing negative impact is overwhelming. During such challenging times, correcting or removing these inaccuracies would be an immense relief.

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 2025-02-04 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: SC

Complaint narrative:
I am a victim of Identity theft and recently noticed unauthorized inquiries reporting on my consumer report - I have filed an FTC report for the Identity Theft as well as attached it to this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express owes me {$340.00} in statement credit for their XXXX XXXX XXXX promotion on the Amex XXXX XXXX. I've been enrolled in this promotion since XX/XX/XXXX ( proven by an email from Amex dated XX/XX/XXXX ). The promotion states that up to {$20.00} a month will be reimbursed for XXXX XXXX XXXX  subscriptions. I am still missing statement credit from XX/XX/XXXX - XX/XX/XXXX ( {$20.00} XXXX XXXX  months = {$180.00} ) and XX/XX/XXXX - XX/XX/XXXX ( {$14.00} XXXX XXXX months + {$20.00} for double sub = {$160.00} ). I initially informed Amex about these missing statement credits as well as XXXX missing statement credits from XX/XX/XXXX - XX/XX/XXXX ( which have been remediated ). It's been almost XXXX weeks since the initial notification and there appears to be mishandling of the case, causing significant delays of resolution and requiring repeated contacts with Amex. 

XX/XX/XXXX - Enrolled in XXXX XXXX XXXX for American Express XXXX XXXX XX/XX/XXXX - Notified Amex Customer Support over Online Chat of missing XXXX XXXX statement credits across XXXX, XXXX, and XXXX. 

XX/XX/XXXX - Contacted Amex Customer Support Online Chat to get status of investigation and missing credit remediation. XXXX representative stated that investigation was concluded and missing credits would be remediated XX/XX/XXXX - XXXX Amex Customer Support Online Chat to get status of investigation and missing credit remediation. XXXX representative says case was resolved on XX/XX/XXXX and remediation will be performed in another XXXX days XX/XX/XXXX - Contacted Amex XXXX by phone to get status of investigation and missing credit remediation. XXXX representative says that case ( XXXX  XXXX ) was improperly closed and that there was no apparent progress on remediation. XXXX representative escalated to XXXX lead for remediation. 

XX/XX/XXXX - XXXX months of missing statement credit ( total {$120.00} ) was applied to my account. 

XX/XX/XXXX - Contacted Amex XXXX by phone to get status of case and to notify that I was still missing {$360.00} of statement credit. XXXX XXXX applied XXXX extra {$20.00} credit to address the XXXX months of missing credit in XXXX. XXXX stated that missing credit from XXXX - XXXX would require additional investigation since their system tracked my promotion enrollment date as XX/XX/XXXX rather than XX/XX/XXXX. 

XX/XX/XXXX - Contacted Amex XXXX by phone to get status of case. XXXX rep stated that previous cases were closed and remediated and that there was no currently open case even though I had informed the previous rep of still missing credits. XXXX XXXX opened new case ( XXXX XXXXXXXX ) to investigate missing credit for XXXX and XXXX statements specifically.

Company response to consumer: Closed with monetary relief