vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-13 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my bank account to XXXX wallet at the instructions of the scammers.

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 2025-01-13 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone stole my identity and created a XXXX  XXXX, i check my credit my credit went down XXXX points my credit score was XXXX its now XXXX Im very disappointed

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 2025-01-13 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you please provide me with all verification results regarding this account sothat I may investigate these claims and take appropriate legal action.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


Account Name : XXXX XXXX Account NumberXXXX Amount : {$0.00} DateXXXX

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you please provide me with all verification results regarding this account sothat I may investigate these claims and take appropriate legal action.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


Account Name : XXXX XXXX Account Number:XXXX  Amount : {$0.00} DateXXXX

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Citibank closed my account and is holding all of my money with no explanation. They locked my account three times while I was trying to transfer funds to my main checking account at XXXX bank. I was using the funds transfer buttons on Citi 's website to do this. My first ACH transfer went through after being locked out twice in the process. I intended to close my account since they kept locking it for no apparent reason. So I tried to transfer the remaining funds to the same XXXX account, which locked me out a third time. I called the bank and was told that I had no phone number on file that third time, which is strange, because I had gotten codes to unlock my account using my phone number the previous two times. I was told to wait on a code in the mail for security purposes. They also mailed this code to my former address, XXXX XXXX XXXX, XXXX XXXX XXXX  where my ex husband lives, and whom I left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was an issue to get that code, but I got it. Once I called back with that code, I was told that they could no longer service my needs and that my account would be closed. No other explanation except, go to a bank branch and they may be able to explain further, but I would not be able to withdraw my money there. The closest bank branch is over XXXX miles away, so that's not really an option. I am expected to get a check for " what they deem to be my money '' in XXXX to 60 days. I'm a recently divorced single mother with a single income, and I have bills to pay. I can't wait that long. I'm on government assistance and barely making it. I'm probably going to get evicted from my home because of this. They are holding hostage over {$1800.00} of my hard earned money. {$300.00} of that was a bonus from opening the Citi account and fulfilling the requirements. It's the only reason that I tried out this bank. I didn't know how far away the closest branch was when I opened it.

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 2025-01-13 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 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 2025-01-13 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent i've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-13 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: CA

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 2025-01-13 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:
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 2025-01-13 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: VA

Complaint narrative:
XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX  accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

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 2025-01-13 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: IL

Complaint narrative:
I am writing to formally dispute two inaccurate accounts listed on my credit report : XXXX XXXX XXXX Account Number with a balance of {$21000.00} I am not the owner or personal guarantor of this account. 
XXXX  Account Number : XXXX This account is inaccurately associated with me. 
I have already filed an FTC Identity Theft Report, which I am including as supporting evidence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], you are required to block these accounts from my credit file within four business days of receiving this report and my 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 non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I am writing to formally dispute two inaccurate accounts listed on my credit report : XXXX XXXX XXXX Account Number with a balance of {$21000.00} I am not the owner or personal guarantor of this account. 
XXXX Account Number : XXXX This account is inaccurately associated with me. 
I have already filed an FTC Identity Theft Report, which I am including as supporting evidence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], you are required to block these accounts from my credit file within four business days of receiving this report and my 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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from XXXX, TransUnion and XXXX. This hard ship is stopping myself and family to buy a house, car, loan also. 
15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.

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 2025-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AR

Complaint narrative:
I was a Phishing victim from FB Marketplace on XXXX XXXX with loss of {$1000.00} sent via XXXX at U. S. Bank for a deposit to buy a used car from my daughters good friend who had been hacked. My daughter contacted her friend and learned of the hacking so I Immediately contacted the fraud department at U S Bank but was told too late. They filled out an Investigation claim which was denied x XXXX even though the XXXX account had the name and phone number of the hacker. U. S. Bank has all the information. I even went to the bank and requested the details of how they investigated and was told I couldnt get 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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear XXXX and XXXX, I requested a refund for overpaid taxes through Form 1040 while working in the US on a XXXXXXXX XXXX in XXXX, and I received a check for {$1800.00} from the XXXX Treasury around XX/XX/XXXX. 
I deposited this check into my Chase account via mobile checking on XX/XX/XXXX. 

However, the money was deposited, then went into a pending status, and eventually disappeared, leaving me unable to access my account. 
I contacted Chase to ask why my account was suddenly blocked, and they initially claimed that my check seemed fake, which led to my account being locked. 
They then changed their story, saying that my account was not allowed to do mobile checking, but I attempted it anyway, which caused the lock. 

Chase informed me that my account would soon be closed, and that the {$98.00} I had deposited before the checking would be sent to my home address as a check. However, the mail I received from Chase only indicated that my account had been processed to {$0.00} and closed, and there was no check included.

Chase told me that the check I deposited via mobile checking could not be used at Chase, and if I wanted to check it, they needed to verify the authenticity of the check from the US Treasury and inform Chase. Since I informed Chase that I had returned to XXXX, I interpreted this as Chase having no intention of providing me with the funds.

Additionally, since Chase told me that my check was unheld, I assumed that the check deposit had not been processed, so I went to XXXXXXXX XXXX in XXXX to cash it. 

However, on XX/XX/XXXX, I received an urgent call from XXXX XXXX XXXXnforming me that they had received a notification from Chase stating that the check had already been cashed on XX/XX/XXXX. 

As a result, I had to return all the funds I received from XXXXXXXX XXXX Due to the issues I experienced with Chase, I was unable to recover the tax refund I received from the US Treasury, and I was misunderstood as having used a bad check at the XXXX bank. 

I am attaching three files as evidence regarding this matter : 1. The letter from the IRS stating that they would refund my taxes.

2. The document from Chase stating that my check had already been cashed on XX/XX/XXXX, sent to XXXXXXXX XXXX 
XXXX. My bank statement sent by Chase instead of the check.

Company response to consumer: Closed with non-monetary relief