vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: AK

Complaint narrative:
On XX/XX/year> I received an email from Optum Bank with a fraud alert asking if I had spent {$84.00} on XXXX Eats. I immediately recognized this as a fraudulent charge and I responded by logging into my checking account to lock my debit card ( which I am still in possession of ) and check my account. I locked the card and located fraudulent charges on my account. I notified Optum of the first statement I am challenging as fraud on XX/XX/XXXX. The first statement which I am challenging is the XXXX XXXX which I received on XX/XX/XXXX. Under the 60 day guidelines, XX/XX/XXXX is within 60 days of XX/XX/XXXX. All of the XXXX, XXXX and XXXX fraudulent activity should be covered. I believe the actual fraudulent amount is {$4400.00}. I believe Optum is engaging in unfair and deceptive practices in this matter and needs to correct it. They are deceptively using their own vague interpretation of their policy in order to not cover the fraud when their policy does in fact show I should be refunded. I also want to note that I asked XXXX about the data breach that occurred at XXXX XXXX Optum unit in XXXX of XXXX. I want to know if my information was leaked in this breach and if it led to these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am writting to you as a holder of the account # XXXX  from XXXX XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report.

Below are the details affected payments : XXXX XXXX and XX/XX/year>. 
XXXX XXXXXXXX XXXX 
Equifax XXXX and XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On Saturday morning, XXXX, I woke up to my checking account to be " on hold '' showing {$0.00} available balance with {$210000.00} being on " Hold / Delay '' since XXXX am that day. 

I called the bank at XXXX XXXX  and after XXXX minutes, XXXX transfers and XXXX account representatives, they told me " they need to speak to their backoffice, which is closed until Monday '' and they could not help me. I requested a call back from a supervisor and was told to get it within 24-48 hours. It has now been more than 48 hours and I have not received a call back. I also still don't have access to my funds. 

I called again today in the morning, XXXX. I was again told that they don't know the reasons and that my account rep should call back. I still have not heard anything from anyone as to reasons and a path to resolution. Instead, I can not access my personal funds and am unable to pay bills ( beginning of the month ) or withdraw cash. 
I have received no communication from the bank as to reasons why I can not access my funds for 3 days now.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section XXXX ( XXXX ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continued to reach out to obtain the debt even after acknowledging that they received my letter. Under the FDCPA, Debt Collectors can not communicate with you before XXXX AM or after XXXX XXXX  ( FCDPA 805 ( a ) ( 1 ). Genesis intentionally violated section XXXX ( a ) ( XXXX ) of the Fair Debt Collection Practices Act by calling me on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. I had also already submitted complaints with the CFPB with documentation proving these FDCPA violations. 

Fast forward to today, XX/XX/XXXX, and I was notified that my credit had a collection that was reported on XX/XX/XXXX by Columbia Debt Recovery LLC dba Genesis LLC. This appears to be the same collection from XX/XX/XXXX. I have not received any direct communication from Genesis LLC regarding this collection. I have not received any personal emails or letters. Additionally, as mentioned above, I have disputed this collection and have not received any documentation from this company. I feel that this company continually leverages my credit report to harass me into paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have multiple collection accounts reporting on my credit report from all 3 credit bureaus.

The negative accounts are from me being a victim of identity theft and XXXX XXXX The Fair Credit Reporting Act ( FCRA ) states Removal of Inaccurate or Unverifiable Information under 15 U.S. Code 1681i ( a ) ( 5 ) Deletion of Information Credit reporting agencies must delete any disputed information that can not be verified within 30 days of receiving a consumer dispute.

Key section : If the disputed information can not be verified after reinvestigation, the consumer reporting agency shall delete that item of information from the file of the consumer.

15 U.S. Code 1681c ( a ) Time Limits on Negative
Information Collections, charge-offs, and other negative accounts must be removed after 7 years ( except bankruptcies, which can last up to 10 years ).

Key section : No consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

2. XXXX XXXX  Law Immediate Deletion of Negative Items XXXX XXXX Code XXXX Removal of Adverse Information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the right to have all negative credit information deleted immediately under federal law. 

Key section : A consumer reporting agency shall block or delete any adverse information that resulted from a severe form of XXXX in persons or XXXXXXXX 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 2025-03-03 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am writting to you as a holder of the account # XXXX from XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report. 
Below are the details affected payments : XXXX XX/XX/XXXX. 
Transunion XXXX and XX/XX/XXXX. 
XXXX XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2025-03-03 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: FL

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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I was attempting to pay my bond fee of {$200.00} thru Cash App. I ended up sending tha money to the right name but wrong guy. XXXX XXXX ( $ Paulsbailbonds ) is tha correct name. I sent my money to XXXX XXXX ( XXXX Solutions ) which is the wrong guy. I immediately took action n called Cash App n they said there was nothing they could do being that I sent tha money. I then sent a refund request which he denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-03 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I called Equifax customer service multiple times to request a credit freeze and set fraud alert. Despite providing confidential personal information, my request was refused by all Equifax customer service agents. Even a supervisor named XXXX XXXX repeatedly asked for unnecessary details, including my full SSN, phone number, and email address ( never heard that email address is used to verify identity! ), which are not required by other bureaus for this process, then he still refused to provide the required service requested by me. 
Equifax call center staff is unprofessional, their background was crowded and highly likely for others to overhear my confidential information. Under this environment, the agents request for full SSN over the phone is not following security measures of FTC and FINRA guidelines. Even after reluctantly providing all information, agents still refused to place the freeze and fraud alert, asking for MORE information to be mailed to Equifax to be reviewed, including a photocopy of my SSN card! 
Under FTC regulations, the credit freeze and fraud alert service are required, yet Equifax lacks an easy online process, forcing customers to create an account in order to access any service. Even after attempting to create an account with Equifax, I was redirected to call Equifax Customer Center to open an account.

I request immediate action to place the freeze and fraud alert. If any credit abuse occurs before credit is frozen, Equifax is responsible. Equifax staff 's actions have put my personal information at risk.

I expect a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MO

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MO

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX DOB : XX/XX/XXXX SSN : XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : Capital One Account number : XXXX Dates reporting NOT Accurate : XXXX, XXXX ( there were payment deferments set up ), XX/XX/XXXX and XX/XX/XXXX. 
Please fix this immediately as it is hurting my chances of buying a new and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX.

Company response to consumer: Closed with explanation