vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I opened a checking account with Citibank on XX/XX/year> funded with my payroll check, received an email confirming my account open and confirmed my online access both online and the mobile app. Within 10 minutes I could no longer access my account online or the app, I call customer service on XX/XX/scrub>XXXX XXXX XXXX I waited on hold for over XXXX minutes, transferred twice, disconnected, call back was basically called a liar when I was asked for my phone number to send me a text, was told my phone number is ineligible to receive a text message, Strange that any other bank can text me, Asked for my security word, I tell them and I am told No its wrong, NO IT IS NOT, hung up on. Called 4 more times that day and not a single person could help me, they just read a script, Chatted online and told again I can not help you, Call 5 times on XX/XX/XXXX and same deal, transferred twice and still no help no answers, meanwhile i am receiving texts and emails stating my account is open and ready to view and read the messages sent to my message center, I CAN NOT ACCESS MY ACCOUNT, Where is my money? Nobody will answer my concerns. I receive an text and email saying my deposit was accepted, but i can not access my account, call 27 times between XX/XX/XXXX thru the XXXX and left hanging. received response to a few emails I sent saying Call customer service, I have SEVERAL times and no answers. On XX/XX/XXXX receive email saying I have violated terms and conditions!! How could I when I made one deposit payroll check that I have confirmation that was cleared. Where is my money? The MAJOR issue is my wife has XXXX and had to miss XXXX as Citibank refused me accsess to my funds to get her to the XXXX center XXXX miles away, This is a life and death matter, I have no idea where my money is at, I have been blocked I believe as when i call It automatically disconnects, I can use my wifes cell phone and will go thru, I MUST HAVE MY MONEY AS WE HAVE ANOTHER XXXX treatment next week, again i can not express how important this is. Why all of a sudden was my account closed with no warning no answers as to why, I have all emails and texts.

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 2025-01-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express wrote to me requesting information about my gift card issue, in response to my first CFPB complaint. However, they did not provide a way to contact them and when I called the main American Express customer service number, they were unable to help with this issue, nor give me a way to contact the Customer Advocate Services Team. 

I was gifted two American Express Prepaid Business Gift e-Cards, worth {$300.00} each. The cards were not working when I used them at different vendors. American Express resolved the issue with one of the cards, but wrote me a letter requesting more information about the second card. 

The card is still listed as active with its full balance ( this has been confirmed by American Express on the phone when I spoke to them ). I have been unable to use the card in any manner. I only have the e-gift card, not a physical card. I am finding that the value of the card is stuck and seemingly unable to be used. I called American Express, they told me to just keep trying to use the cards at different merchants. I called one of the merchants and they said that the cards get declined because of bank related reasons and that I should call the bank ( American Express ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
On reviewing my credit reports, I noticed inaccuracies in the reporting of several accounts, which are not compliant with the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX reported a balance of {$65000.00} to TransUnion. This information is incorrect and unverifiable. 

XXXXXXXX XXXX XXXXXXXX : XXXX reflects a balance of {$14000.00}. 
XXXX reports a balance of {$0.00}. 
TransUnion reflects a balance of {$14000.00}. 
These discrepancies demonstrate a failure to report consistent and accurate information across the credit bureaus. As mandated by federal law, all accounts must be reported with 100 % accuracy. 

I have attempted to verify this information and attached a screenshot highlighting these inaccuracies. The discrepancies suggest negligence or noncompliance on the part of the creditors and data furnishers. 

XXXXXXXX XXXX XXXX XXXX XXXX, in particular, have failed to report accurately to TransUnion, which is a violation of their legal obligations under FCRA Section 623 ( 15 U.S.C. 1681s-2 ). This lack of compliance is unacceptable and warrants immediate correction. 

I am requesting that all inaccurate accounts be corrected or removed from the credit reports promptly. 

This is a formal demand for accountability and compliance with federal law to ensure the accuracy of consumer reporting.

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 2025-01-10 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: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
To draft an aggressive yet professional letter to TransUnion regarding the inaccurate reporting under 15 USC 1681, heres an example : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Reporting Violation of 15 USC 1681 To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my TransUnion credit report. Specifically, the balance for the XXXX XXXX account is inaccurately listed, as detailed below : Account Name : XXXX XXXX Error : The balance increased by {$17.00} ( from {$0.00} to {$17.00} ), causing an unjustified drop in my credit score by XXXX points. 

Date of Change : Between XX/XX/XXXX, and XX/XX/XXXX This reporting is inaccurate and in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i, which mandates that credit reporting agencies must ensure maximum possible accuracy of the information included in consumer reports. 

I demand an immediate investigation into this matter. Pursuant to 15 USC 1681i ( a ), you are required to : 1. Conduct a thorough reinvestigation of the disputed information.

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written confirmation of your findings and any actions taken, including an updated credit report reflecting the corrections.

Failure to rectify this issue within the timeframes outlined in the FCRA will leave me no choice but to escalate this matter. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to address any harm caused by your non-compliance.

For your convenience, I have attached relevant documentation supporting my dispute, including recent credit report details highlighting the errors.

Please acknowledge receipt of this dispute and provide a resolution within the required 30-day period. I can be reached at [ Your Phone Number ] or [ Your Email Address ] should you require further information.

Sincerely, [ Your Full Name ] [ Enclosures : Copies of Credit Report Highlighting Errors, Proof of Identity, etc. ] -- - You can adjust the tone and include any additional specifics depending on the exact details of your situation. Let me know if you want further adjustments!

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 2025-01-10 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: WA

Complaint narrative:
I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX WA, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation. I also demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I did not authorize the actions reflected in my credit report, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a result of a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers.

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-10 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-10 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Kindly remove and block. 
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.

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 2025-01-10 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This breach exposed my personal information and unauthorized parties have used it to open fraudulent accounts in my name. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and 15 U.S.C. 1681 ( c-2 ).

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 2025-01-10 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This breach exposed my personal information and unauthorized parties have used it to open fraudulent accounts in my name. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and 15 U.S.C. 1681 ( c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.

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