vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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:
The company, XXXXXXXX XXXX XXXX XXXXXXXX, claims that I and my son are joint account holders on my wife 's credit card account. My wife passed away last year, XX/XX/XXXX, and since then we have obtained a court order of XXXX 's XXXX, signed by a probate court judge, declaring that my late wife 's estate is empty. This order was filed XX/XX/XXXX. XXXXXXXX XXXX  claims that my son and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my son has ever signed a joint account holder agreement, but it is XXXXXXXX XXXX XXXX  contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, I did get one representative to describe the signature purported to belong to my son. What she described has no correlation whatsoever to my son 's handwriting style. It is my opinion that if such a document even exists, it was my late wife who signed both our names to the joint account document without our knowledge. At one point, another representative said he would file a fraud claim on my behalf for signature identity theft. This claim was dated on XX/XX/XXXX and was subsequently denied by XXXXXXXX XXXX XXXX  fraud department. The disputed amount is appearing on both my and my son 's credit report scores, and it is preventing him from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE ALL ARE FRAUDULENT 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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On [ date ], Citi notified me at XXXXXXXX XXXX  about a payment issue, claiming I provided invalid account information and that the account had insufficient funds. However, I have successfully used this same account to make payments on my Citi credit card in the past, and I confirmed that there were sufficient funds available. Instead of giving me time to resolve the issue, Citi immediately closed my account the same day without warning. 

I had a credit limit of {$3200.00} with a balance of {$2200.00}. My account was in good standing with no late or missed payments. When I contacted Citi for an explanation, they refused to provide a clear reason for the closure and would not allow me to reopen the account, treating me as if I committed fraud on my own credit card account. 

This sudden closure will significantly impact my credit score and utilization, and I was given no opportunity to correct the alleged issue. I am requesting that Citi : - Provide a clear and documented explanation for the account closure. 
- Reopen my account or, at minimum, ensure that no negative information is reported to the credit bureaus. 
- Acknowledge that my payment method was valid and allow me to resolve any outstanding balance without penalty. 

I am seeking CFPBs assistance as Citi has been uncooperative in addressing this matter and is providing falsifying information on my behalf. Research shows this is a common trend with this bank.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp closed my account after I asked a friend for some money to help with a bill. She sent from an account she didn't use previously and when I tried to accept, it prompted the ID verification ( even tho it was already verified ). When attempting to do this, I no longer had the debit card they wanted photos of. When I attempted to add another card to verify with it instead, it just told me the account was closed. I am expecting my tax refund in this bank account and this is messing with my livelihood now. I'd like the account opened back up so I can continue to use the account I have used for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Contacted resurgent receivables about an alleged account. on XX/XX/year>XXXX  One of the option was to send an email, when I sent an email. it went through, than I checked, the email was deleted. I tried to contact by phone, hung up. I needed them to investigate this alleged. account and remove while investigation was going on. They refused. I also tried to email on the XX/XX/year>XXXX  and my email was automatically deleted. so glad I have screenshots of everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Student loan forgiveness, bankruptcy also fraud didnt give permission for my information to be shared. Using code 15 U.S.C 1681 I want them to stop reporting on my credit these accounts are old and closed charges off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-20 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> 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 XX/XX/XXXX XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I asked if they would send me a copy of the original contract as well as original signature with my name signed by me. A full detail list of the payment on the account, and if there has been any insurance claim on this account. Also, to send my a chain of custody on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year> and without my knowledge a Citibank Best Buy credit card was applied for and approved then used three times to purchase items in-person at Best Buy store XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX 
First transaction at XXXX totaling {$1000.00}. 
Second transaction at XXXX totaling {$840.00}. 
Third transaction at XXXX totaling {$840.00}. 
All three transactions completed using a look-up not a swipe method. I received emailed receipts for all three transactions. 
On XX/XX/year> I contacted Best Buy and reported the issue. I was transferred to Citibank and reported the issue. I was told by Citibank the account will be closed and an investigation started. I was told to contact the store directly and the local Police Department. 
Citibank Consumer Protection informed me the credit card was issued with my short form " nickname '' not my full legal name. I was informed corrections may take 60-90 days. 
On XX/XX/year> I went to the XXXX Police Department to file a report. I was handed a packet to be completed and notarized and returned. I was not provided any additional assistance at that time. 
Also XX/XX/year> I went into the XXXX Best Buy and reported the issue. They added to the existing report on file, that I made contact at the store, was in possession of the receipts and added text message updates to my phone number. I was informed a Best Buy Corporate Verification Team may contact me. I was told they can not print the report.

I have attempted to contact the three credit bureaus with mixed success. 
XXXX can not log me in without additional information and phone calls are unsuccessful. XXXX was easy, a fraud alert has been placed. XXXX will not allow any access without credit card information.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear EQUIFAX Representatives, I am writing to file a formal complaint against EQUIFAX, for the improper reinsertion of a previously deleted account into my credit report. The accounts in question are XXXX # XXXX XXXX and XXXX # XXXX XXXX, which were removed following a successful dispute and have now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 
Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion.

2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me.

3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction.

4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions.

5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me.

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to Equifax failure to comply with the law.

Requested Action : 1. Investigate the improper reinsertion of the accounts XXXX # XXXX XXXXXXXX and XXXX # XXXX XXXXXXXX, 2. Require EQUIFAX to immediately and permanently delete the account from my credit report.

3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1500.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I was issued a XXXX XXXX XXXX XXXX XXXX XXXX with a credit limit of {$2500.00} back in early XXXX. As XXXX XXXX member they made an offer to apply, I did and was happy I got approved. I have used the card numerous times, and at one time spent up to my credit limit. I quickly took care of the balance and have since brought my balance down to XXXX  then made a large purchase. After bringing the account to a XXXX balance, I noticed that my credit limit had been decreased from {$2500.00} to {$1400.00}. I never received any notice and I was unable to locate any emails where a letter was sent advising me of why a decrease was done. 

I found out about the decrease when I attempt to make a purchase and it failed because it said it would exceed my credit limit when I felt I had nearly {$1000.00} remaining with my card. I had to make an instant payment to the card in order to complete the purchase and not be embarrassed because I couldn't pay for the groceries my wife and I had bought for our daughter to help her and her boyfriend out. Luckily a quick payment from my checking account allowed me to complete the purchase while I was still in the store. 

I still have been unable to locate any written notice, not even an email, that explains why the decrease occurred. I have nothing to attach to this because I was never sent anything.

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 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCHRONY BANK HAS YET TO ADDRESS THE ADA VIOLATIONS AND PRIVACY VIOLATIONS, NOT ONCE HAS XXXX ADDRESSED IT, I WILL BE ALSO FILING WITH DOJ AMONG OTHER ORGINIZATIONS.SYCHRONY BANKDISCRIMINATED AGAINST ME AND MY POA, THEY VIOLATED MY XXXX RIGHTS AND PRIVACY RIGHTS AND CONTINUE TO TALK AROUND IT.THEY CONTINUED TO BLOW OFF MY POA AND THEN WHEN WE FILED A COMPLAINBT HERE AND WITH THE XXXX, THEY SENT THE ACCOUNTS TO 3RD PARTY COLLECTIONS.THEY BULLIED US AND PROHIBITED US FROM SETTLING AND PAYING MY DEBT WHILE THEY WERE STILL IN THEIR POSSESSION.SYNCHRONY BANK IS XXXX AND THEY DISCRIMINATE AGAINST THE DISABLED AND TRY TO LIE AND TALK AROUND IT, THIS WILL NOT BE GOING AWAY, YOU DISCRIMINATED AGAINST ME AND MY POA ON SEVRAL OCCASSIONS AND WE WILL BE ABLE TO PROVE IT, YOU VIOLATED MY PRIVACY ON SEVERAL OCCASSIONS, I CAN ALSO PROVE THAT, SO YUOU CAN KEEP ON GOIN TALKING AROUND IT BUT I WILL GET JUSTICE FOR THIS CORRUPT ACT OF YOURS, YOU WILL NEED TO TAKE CARE OF THOSE ACCOUNTS SINCE YOU DISABLED ME FROM PAYING THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The interest rate was unfairly high, and once I surrendered the car after paying 4 years they are suing me for XXXX dollars for a XXXX car.

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