vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-27 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Calling over XXXX times in XXXX week. 

XX/XX/year> called XXXX times as of XXXX XX/XX/year> called XXXX  times from number XXXX XX/XX/year> called XXXX time XX/XX/year> called XXXX time XX/XX/year> called XXXX time XX/XX/year> called XXXX times I have more dates and calls they have made. I have told them several times to stop calling and they were breaking a collection rule by calling so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I am writing regarding a debt that you claim I owe, referenced by the account, XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) this account is reported on my credit report balance owed. This account has been transfer, sold to a collection agency. Therefore, you are continue to report inaccurate information on this account. My right as the consumer you are harming my credit score and creditworthiness. If you can not verify this account accurately as by the federal law I will seek legal assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 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: FL

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 non-monetary relief
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: GA

Complaint narrative:
Caller uses a different number each time they call to avoid being blocked or filtered in any way. Caller makes repeated attempts from these falsified numbers every day for over a month straight. Caller abuses my rights to communication via jamming my voicemail inbox with non-messages, blank pauses, recorded statements replaying, or AI voices talking as though they are humans attempting to collect a debt. Caller can not prove a debt was accrued by myself or anyone related to me. Caller is using textbook harassment techniques to force me to pay them or deal with being harassed presumably for the foreseeable future. Caller is breaking the law and knows it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened business account with CITIBANK - everything was fine until I received a wire for {$100000.00} dollar from a client - Wire was put on hold and same day, account was closed without any explanation I went to the local branch where I opened account and was told to wait for a letter from CITIBANK - branch manager could not help at all I received a letter stating of violating company policy without any explanation and to wait 60 days to receive funds I kept calling every 2-3 days and funds were still in the account - Sender wanted to recall the funds but I told them not to because it would make it harder and longer On XX/XX/XXXX I called fraud department to see if account is closed and check on its way In short I was told account is closed but no check would be sent to me without any explanation I was in shock - contacted the sender to see if they got funds back or made a complaint Sender confirmed not receiving any funds back It's been 1 month now and I can not get a clear answer on what has happened or going on - CITI has unnecessary departments doing the same thing but no one is allowed to explain why account is closed At this point, I do not care to bank with them at all but need to find out where the funds are before it gets out of hand This matter started on XX/XX/XXXX2024 I have begged over and over for an explanation since sender never complaint and funds are legitimate How can I get some help?

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 2025-01-27 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: MO

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-27 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: CA

Complaint narrative:
Experian CREDIT REPORT : Account details : XX/XX/XXXX XXXX Original creditor : - Company sold : - Account type :XX/XX/XXXX Monthly payment : - Date opened : XX/XX/XXXX Open/Closed : Closed Status : Repossession. {$12000.00} past due as of XX/XX/XXXX Last payment date : XX/XX/XXXXMonthly payment : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of SSN : XXXX RE : Account Number : XXXX / VIN Number : XXXX To whom it may concern, I am writing to address the subject of the aforementioned accounts and transactions to remove inaccurate credit information. 

As you are aware, the vehicle in question was repossessed by XXXX XXXX XXXX in the State of California on or about XX/XX/XXXX, and subsequently resold shortly a couple months after that. 

It is imperative to note that in accordance with the laws of the State of California, specifically UCC 22600.3, as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate.

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

1. The complete original alleged promissory note that shows my signature.

2. The account transaction history 3. Any required defaults or acceleration notices 4. The notice of sale document 5. The calculation of Surplus or Deficiency letter 6. Any additional finance contracts 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required the sale that allows you to hold on a promissory note Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 


Sincerely, 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
1. On XX/XX/XXXX I signed up forXX/XX/XXXX for my local area to conduct an interview for my XXXX XXXX XXXX to aire on different platforms, for XXXX media and advertisement. The company said they only used XXXX or XXXX for Payments and I spoke to XXXX XXXX. I sent the money through my XXXX from my banking account at M & T bank. 
2. A few days later I felt the company was a fraud and put in a dispute with M & T which they agreed and put the money back into my acct. The company was very aggressive with me and sent me many text messages and emails about them being a good company and wanting to really advertise my XXXXXX/XX/XXXX I told the company i was not able to afford the amount and they offered me a lower amount of {$590.00} for 6 months advertising and video promotions with interview. I decided to go with the company once again and try the service. 
3. After several months and me agreeing to an interview date on XX/XX/XXXX. I contacted the company around XXXX to tell them I would not be able to do the interview at this time and had death in the family, that i would want a refund and not be able to use the services. 
4. Since then the company started complaining that i messed up their XXXX  services by filing them as fraudulent the first time i got my money back and that they would not refund me my money because of that. I told them I cancelled the first dispute with my bank and because i am not using the service i paid for I wanted my refund. 
5. The company has since gone silent and has not refunded my money through XXXX or any other methods. 
6. I contact my bank M & T again on the matter and was denied because i used XXXX at my own risk, and was not to send money to people I dont know. Yet the company used XXXX for business and made it clear that was my only option if i wanted to do business with them. 
7. I sent emails, and text messages to M & T to show that the company was fraudulent and I was scammed, and that I have requested the refund from the company and have not heard from them other than to deny the refund, and that i have received no services from the company at all, that I need my refund from this company and have been denied twice now by M & T.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 proce 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 inconvenience and financial loss, and I seek appropriate redress ( 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 inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I filed 11 investigations with Experian from XXXX/XXXX/2024 to XX/XX/year>2024 ( and multiple reports prior to these dates ) to dispute inaccurate findings. I had spoken with the companies that filed the reports and had additional documentation that I submitted to Experian to refute the accuracy of the credit reports. In many of these cases, Experian did not complete its investigation within the 30 day timeframe. Additionally, none of the statements from Experian provided any evidence of its investigation. All that was included was the following statement : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' For some of the reports, the following statement was included " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, Experian then added additional items to my credit report, without providing any detailed reason. I have attempted to notify Experian on multiple occasions for additional information, which is additionally documented by the additional credit disputes I filed for the same accounts.

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 2025-01-27 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: IL

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MO

Complaint narrative:
I have attempted to refute several credit accounts on my XXXX profile and XXXX has never received or sent me verification of debt to prove that the debt is mine! There are many debts that are not mine but still appear in my report # 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 2025-01-27 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: MO

Complaint narrative:
I have attempted to refute several credit accounts on my XXXX profile and XXXX has never received or sent me verification of debt to prove that the debt is mine! There are many debts that are not mine but still appear in my report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed for fraud, I explained to the bank this was not me and i explained that my card was missing and i did not have any knowledge of this. I explained to the bank i had XXXX account for over XXXX years and had anything like this to happen to me. The bank never provided me any documents of this issue. When i reached out to report my card lost. They then explained the account going to be closed without coming up with a solution. Bank of America never once reach out to me. The date this happen between XXXXXXXX XXXXXX/XX/year>. The amount was for {$3500.00}. I also my documents were stolen from me and they explained it was not their problem to help.

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