vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, TransUnion, and XXXX ) XXXX What happened Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : Experian, XXXX, and XXXX ) XXXX What happened Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: IL

Complaint narrative:
The Albert App makes it impossible to deactivate and cancel the subscription. I have tried numerous times, to no avail.

I recently emailed the company, and I am now hopeful I will be able to cancel. I have been charged fees ranging from {$2.00} - {$96.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Hello, I originally opened a checking account with Investors Bank and as part of the buy-out Citizens Bank acquired and transitioned my account into Citizens Bank in XX/XX/year>. They've defaulted my Bank statement delivery selection to mail and have charged {$3.00} fee every month a total of {$48.00} so far. But, I've never the received the statement in mail. When I contacted Citizens Bank they've just refunded {$3.00} and asked me to change the delivery to email. I have never been charged the statement delivery fee when I was banking with Investors bank and Citizens bank has never notified me and has made a selection that's beneficial to them since they can charge the fee until I confronted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive identified multiple unauthorized accounts on my latest credit report. I ask that these be blocked and removed promptly.

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 2024-11-13 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Subject : Request for Assistance with TD Bank Account Closure and Placement in XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding the recent closure of my account with TD Bank. Without prior notice or detailed explanation, TD Bank closed my account, and I was subsequently reported to XXXX XXXX XXXX and XXXX, which has significantly impacted my ability to open an account with any other financial institution. 

I have contacted TD Bank for clarification on the reasons behind this decision, but they have not provided specific information regarding why my account was closed or what actions led to my placement in XXXX XXXX XXXX XXXX XXXX. As a result, I am unable to address or resolve the issue because I am unaware of any alleged account misuse or violations. 

I am requesting the CFPBs assistance in obtaining the following from TD Bank : XXXX. A detailed explanation of the specific reasons for my account closure and my placement in XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. Steps I can take to clear my name from these systems so that I may regain access to basic banking services. 
XXXX. Clarification on any outstanding obligations or requirements, if applicable, that I need to meet in order to resolve this matter. 

This issue has made it impossible for me to open accounts at other banks, which has disrupted my financial well-being and access to essential banking services. I would appreciate the CFPBs support in helping me address this situation and, if possible, to have TD Bank assist in removing my name from XXXX XXXX XXXX XXXX XXXXXXXX upon resolution. 

Thank you for your time and assistance with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I got into an accident XX/XX/year>, I never payed off the debt as I was XXXX and didn't have enough to cover it, Today they gave me a call and said the amount I " used '' to owe was {$1700.00}, but it had been discounted to {$890.00}. They apparently gave me a discount just now for {$590.00}. I'm very skeptical and unsure whether they are legit or not since they are apparently " lowering '' the price for me. When I went to the medical website it said my debt went to collections, and I owed nothing to them. So I'm unsure as to if I'm being lied to, or scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-13 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: WA

Complaint narrative:
I've been trying to apply for a XXXX XXXX credit card for over a year and was denied for the second time recently so decided to take a look into why, since my credit score is good and have had no issues regarding my credit. When they sent the letter describing the reasons why it only listed " length of credit history ''. This did not make sense since I have had my credit opened for a while now. So decided to call the credit bureaue 's as instructed on the letter and did not receive any substancial information from XXXX or XXXX but when I called TransUnion they informed me that they had no information on their end regarding any credit, basically to them it was as if I had not credit at all. I let them know that I have had my XXXX account open and active for quite some time now and that doesnt make sense but they contiously stated that there was no information and to contact XXXX XXXX So then proceeded to call XXXX and they told me that they have been reporting my information to TransUnion. I ended up going back and forth with XXXX and TransUnion numerous times over the course of a week but not really getting anywhere as one is contradicting the other. I also decided to get my credit reports on my own from XXXX to see for myself what they had, and XXXX XXXX XXXX both had a good amount of information regarding my credit history but TransUnion did not have anything at all. So just want to be able to have it so that TransUnion has all of my information reported to them like XXXX XXXX XXXX I think that is the reason I keep getting denied credit at other lenders. Which would explain the " length of credit history '' being the sole reason for denial, even though I have had my XXXX account for some time 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 explanation
Consumer complaint received 2024-11-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. Item ( s ) resulting from trafficking that should be blocked : XXXX XXXX : XXXX Closed Age of Account 10 months 17 days Late payments XXXX XXXX XXXX XXXX XXXX : XXXX Closed Age of Account 2 years 10 months 21 days Late payments XXXX XXXX XXXX XXXX XXXX Closed Age of Account 1 year 3 months 25 days Late payments XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXX XXXX XXXX XXXX Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MO

Complaint narrative:
There are billing errors on my credit report, specifically late payments that dont match my typical payment behavior. Id appreciate it if you could correct them and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IA

Complaint narrative:
I have a savings account through Discover and they have made it impossible for me to withdraw/access my funds. I attempted to add my checking account to transfer funds and it was never added. I later tried to re-add it and it says that I can not add the account because it is HAS been added the account but according to them it is not added. They advised that I needed to delete the account and re-add it. I have tried this over five times and the account will not delete so it can be re-added so I am not able to access any of money in my savings account. 

***All communication with me needs to be in writing***

Company response to consumer: Closed with non-monetary relief