vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no XXXX  party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We alerted Wells Fargo bank that we had received an email from Wells Fargo on XX/XX/year> that my wife 's debit card had been approved for an increase of our daily limit to {$10000.00}. As we had not made a request to increase our limit, we immediately looked at our accounts and saw that {$9500.00} had been taken from our accounts ( checking/savings ) and sent to an XXXX XXXX account. We immediately contacted Wells Fargo and filed a fraud claim. On XX/XX/year>, I went to our local bank and was told that our accounts had been fraudulently accessed and we needed to close the accounts. We did so and opened new checking and savings accounts. On XX/XX/XXXX, we received a letter saying that our fraud claim was closed with no resolution and we had no appeals. We have been victimized XXXX... XXXX  by the criminals that was able to steal my wife 's debit card info and illegally steal {$9500.00} and a XXXX time behind Wells Fargo 's unwillingness to do what was right and restore our funds.

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 2025-02-16 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
We ordered a product and then found out it was on backorder so we canceled it and the company accepted the cancellation and claimed tohave refunded the Discover credit card, but they never removed the charge from account, even after we submitted the email proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
i have already disputed this acct Dept of Education for {$3400.00} fraudulent acct please remove this asap.

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 2025-02-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I feel that my information was part of the data breach in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES 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 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2025-02-16 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 filing a formal complaint against TransUnion for its failure to remove an unverifiable and inaccurate account from my credit report. The account in question, XXXX XXXX XXXX, should no longer be reported because the company permanently ceased operations on XX/XX/year>, making it impossible for the debt to be verified. 

Under 15 USC 1681s-2b of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to conduct a reasonable investigation when a consumer disputes an account. Since XXXX is no longer in business, there is no legal way to verify this debt, and TransUnion is in violation of federal law by continuing to report it. 

Additionally, 15 USC 1681i requires credit reporting agencies to ensure that all information in a consumers file is accurate and verifiable. If an account can not be verified, it must be removed immediately. Despite my prior disputes, TransUnion has failed to comply, causing undue harm to my credit profile. 

Under 15 USC 1681n and 1681o, TransUnion is civilly liable for both willful and negligent noncompliance with the FCRA. Due to their continued failure to act in accordance with the law, I intend to pursue legal action for each violation. I plan to seek {$1000.00} per violation, as permitted under FCRA guidelines, for the damages caused by this incorrect reporting. 

To eliminate any unnecessary delays or stalling tactics, I have attached proof of my identity with this submission. This includes a copy of my government-issued ID and any other documents necessary to validate my identity. I expect this to expedite the resolution process and prevent any further obstruction of my legal rights.

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 2025-02-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
On XX/XX/2025 I received a text message and email from Citizens bank Fraud Alert stating my card was declined for a transaction I did not make on a card I had lost. I then received an unsolicited one time passcode from Citizens Bank indicating to me that someone was attempting unauthorized access to my account. I called the fraud number for citizens bank to report the suspicious activity and request closure of the card, but they could not verify my phone number. They stated the only way I could resolve the verification would be to visit a branch in person, but there are no Citizens Bank branches near me. I requested that the account be closed and was transferred to customer service over the phone - customer service stated they could not access my account and only the fraud department could cancel the account. I was transferred back to fraud who again stated I needed to visit a branch to close the account or get a replacement card for a lost/stolen card - when I requested additional information on the process or alternative options the line went silent and the representative hung up on me. There seems to be no way to close the compromised account except to travel long distance to a physical branch, which I'm not sure would even work. I am now locked out of my online account for the credit card and have no recourse to cancel the credit card which might continue to incur fraudulent charges in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following accounts arre not mine and were unauthorized

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 2025-02-16 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:
The following accounts arre not mine and were unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: NY

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] has violated my rights. 

I looked at my Experian credit report XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Dear Equifax Consumer Services Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Inaccurate Accounts XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 recently reviewed a copy of my credit report and notice I had fraudulet account on my report.Please remove these accouts from my report they are hurting my ability to obtain credit XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Kikoff Inc.
State: NV

Complaint narrative:
1681 section 602 I have the right to privacy.

604 A section 2 Consumers agencies can not furnish an account without my written consent.

15 USC 166 B A creditor cant not treat a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am writing to formally dispute this debt under the Fair Debt Collection Practices Act ( FDCPA ). Within XXXX days of your initial communication, as required by 15 U.S.C. XXXXg, I did not receive the required written notice containing the information outlined in that section. Furthermore, your communication practices have violated 15 U.S.C. XXXXc by contacting me at an unreasonable time, contacting me after I informed you I am represented by counsel ]. Therefore, I demand immediate validation of this debt. Failure to provide proper validation within XXXX days necessitates the immediate removal of this account from my credit report. Any further collection activity without proper validation will be considered a continued violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates 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 2025-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My mortgage was sold to Shellpoint to XXXX in turn paid my homeowners insurance, my flood insurance and my property taxes XXXX then turned around and made my monthly payments go from {$1900.00} up to {$3700.00} for which they got XXXX payment out of me for that amount. I took myself off of auto pay as I can not afford that kind of payment each month being on XXXX and all please help me get this back on track so I can stay in the home. Ive lived in for XXXX  years thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 recently reviewed a copy of my credit report and I noticed I had fraudulents accounts in my report.Please remove these account of my report thet are hirting my ability to obtaing credit. XXXXXXXX XXXX XXXX XXXXXXXX

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