vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) I am writing in response to the debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and request full validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Under 15 U.S.C. 1692g ( b ), I formally request the following information : 1. Proof of Debt Ownership : A signed contract or agreement showing I have a direct legal obligation to XXXX XXXX XXXX. 

2. Chain of Custody : A complete payment history and a detailed breakdown of how the alleged balance of {$990.00} was calculated, including interest and fees. 

3. Proof of Assignment : A copy of the contract between XXXX XXXX XX/XX/XXXXXXXX. and XXXX XXXX XXXX proving the transfer of debt. 

4. Proof of Authorization : Your companys collection license for my state, demonstrating that you are legally permitted to collect debts in my jurisdiction. 



Additionally, under 15 U.S.C. 1681s-2 ( b ), if you are unable to verify this debt with proper documentation, you are required to request its immediate removal from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 



If you can not provide full validation within 30 days, I demand that you cease all collection activities and delete this account from my credit report. Reporting unverifiable or inaccurate debt violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and failure to comply will result in legal action. 



This letter serves as formal notice that I do not consent to phone communication. All correspondence must be in writing. Any further violation of my consumer rights will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



I expect your written response within 30 days of the date on this letter. 



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 2025-01-30 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase checking account still Open in Locked status as of XX/XX/year>, I've requested Chase to close my account but it's still active but in locked status, my multiple requests to the bank by phone call and branch visit not gave me any resolution, please contact chase to solve this isuue. Thnaks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) of the Fair Credit Reporting Act FCRA, i have noticed student loan accounts being reasserted by fraudulently updating dates to show current for instance you have on the report US department of Education saying there is an open account for the year XXXX, I didn't attend school in XXXX? I see collection accounts, open accounts, closed accounts, as current date of XXXX but was closed in XXXX but opened was opened in XXXX what that is just fraudulent, I show addresses I never lived at, different names, that aren't mine. There's even inquires, i didn't authorize, to me everything on this credit report is fraudulent

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 2025-01-30 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: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241.

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 2025-01-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241.

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 2025-01-30 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: NJ

Complaint narrative:
Upon reviewing a copy of my credit report I noticed there were a few inquiries that were deemed inaccurate. To my knowledge they are fraudulent and were not authorized by me. I am writing to dispute these inaccurate and fraudulent inquiries because these they happened without my consent. I have unfortunately become a victim of Identity Theft.

These inquiries that were reported to my credit report calls for action of deletion because these inquiries are inaccurate and were not made by me on my Transunion credit report. This is in major violation of my Fair Credit Reporting Act ( FCRA ).

Please remove the inquiries listed below because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure. Please review and delete the inquiries and investigate them thoroughly and as a result, remove them 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 non-monetary relief
Consumer complaint received 2025-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
XXXX  it's under is Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not get my permission nor warned me about this being placed on my credit report. Did not authorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
Transunion has failed to fulfill its 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 and 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 align with my experience with Transunion. Transunion has neither corrected nor removed disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-01-30 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
One of the Blackhawk Network ( " BHN '' ) Prepaid Mastercard Terms and Conditions stipulates : their digital gift card may be given intentionally to another party to use ( see attachments ). 

When the Blackhawk Prepaid Mastercards are used as gifts, it follows that the recipient must necessarily be different from the giver.

Per their Terms and Conditions, I " intentionally gave another party, '' XXXX XXXX, " their digital gift card to use. '' XXXX XXXX is my partner/ common law. 

Since XX/XX/year>, however, BHN has been blocking and blacklisting XXXX XXXX from all of his Prepaid Mastercards, NOT just the gifted cards but also the ones he had purchased on his own. 

Stop " blacklisting '' XXXX XXXX. Unblock his cards.

BHN has even asked for my government ID and a utility bill. I have complied with their requests, covering up the private information because BHN is not a bank or the police. 

XXXX XXXX has submitted a CFPB complaint of his own, a complaint smilar to mine ( COMPLAINT ID XXXX ). 

But, BHN responded by simply repeating his complaint, not addressing the complaint at all.

I have experienced and been told by many others as well : a few of the Blackhawk Prepaid Mastercards customer service representatives at XXXX helped redeem the cards as gifts because the redemption website was down for months in XXXX 

I am very concerned about the Blackhawk company violating their own rules.

I have contacted the program administrator and sponsor. According to them, there is a " conflict '' or " violation between BHN and the terms and conditions of BHN. '' Again, I am very concerned about the Blackhawk company violating their own rules. We called XXXX. This is the same number CFPB has on file about this company. 

The phone number used to call was XXXX. 

The date was XX/XX/year>. We spoke with XXXX and XXXX. Both of them falsely claimed that they work at the front desk in the XXXX, California Blackhawk Network building. 

What they did not know was : We live close to XXXX, California. We were calling them right outside the building. 

There was no one named XXXX or XXXX at the front desk. Actually, the building appeared to be out of business. Both XXXX and XXXX clearly said ( paraphrased ) : The cards may be gifted so long as the recipient can be verified by providing them with a utility bill and the original email with a redemption link. 

Also, the Blackhawk redemption website often has errors, stating try again later for months until the cards expire, after which Blackhawk would keep the entire money as monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-30 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: SC

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding their failure to properly investigate and correct inaccurate information on my credit report. Despite my repeated disputes, XXXX has either failed to conduct a reasonable investigation or has continued to report incorrect information, damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate name variations, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' and " XXXX, XXXX, XXXX, '' along with any other incorrect versions of my name. Additionally, please update the address on file to reflect my correct address, which is " XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. '' and remove any other addresses that do not match this address. Lastly, my correct employer is " XXXX XXXX XXXX XXXX XXXX, '' and I am requesting that any inaccurate or outdated employer information be removed from my report. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and anxiety, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had to call and find out what was going on with my dispute, and I was told my dispute was received but my SSN was invalid and my ID was not clear, which was not true, so I resending the say information that you said was invalid or not a clear photo ID.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had to call and find out what was going on with my dispute, and I was told my dispute was received but my SSN was invalid and my ID was not clear, which was not true, so I resending the say information that you said was invalid or not a clear photo ID.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Between the dates of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, my Regions bank account and my XXXX XXXX account were hacked. The hacker transferred money from my Regions account to my XXXX XXXX account and then transferred the money into XXXX and sent the XXXX to an XXXX XXXX I submitted a claim through Regions, but they stated that my claim was denied because Ive used XXXX XXXX before. The hacker stole {$2100.00}. This is the money that I was going to use for my mortgage ; however, I am a month behind since the money was stolen from 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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