vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: IN

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX, XXXX XXXX acct 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to unfreeze my Experian credit report for a year. They will not allow me on-line access. I submitted via mail all information requested to unfreeze my account and it still has not been unfroze. Customer Service there is horrible! No one answers the phone nor returns calls!

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 2025-02-26 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days.

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 2025-02-26 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I never opened these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This is unacceptable, and I need immediate clarification on why this is happening.

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 2025-02-26 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Paid my XXXX credit card bill, check was received and damaged when opened by Citi bank. They returned the check with the original submitted payment statement, undamaged with a letter dated XX/XX/XXXX. I received on XX/XX/XXXX and reissued a check in the amount due {$2500.00} sent by mail that day. Additionally I called the customer service number and spoke with a representative who assured me I would not be charged a late fee or interest on this amount. I received my XXXX statement on XX/XX/XXXX which included {$30.00} late fee and {$97.00} interest charge along with the {$2500.00} still owed and the new charges. Today my credit card was suspended and non usable. I have called and spoken with a supervisor who guarantees that we waived by late fee of {$30.00} and the interest charge of {$97.00} but required that I make a payment over the phone using my bank account information ( which I am NOT comfortable doing ) for the minimum required {$41.00} in order to activate my card. 

How is Citi bank allowed to hold me responsible financially for their mistake!!!

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 monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
My credit reports are so screwed up. There is none of the consumer reporting agency 's that are reporting the same thing I have tried multiple times to remove inaccurate information but they refuse and it is disabling my quality of life and ruining any chance of progression 15 U.S.C 1681 EB 15 U.S.C. 1681 S-2 15 U.S.C 1681 I5 Whenever a consumer reporting agency prepared a consumer report they shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual for whom the report is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
After reviewing a copy of my credit report I noticed unauthorized inquires on my report and this has hurt my ability to establish credit XXXX XXXX  XXXX XXXX XX/XX/year>

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Suncoast Credit Union regarding their refusal to process a fraud dispute on my account. I was scammed out of {$3100.00} through XXXX XXXX transactions, and despite providing Suncoast with a police report, conversation evidence, and proof of the fraud, they have refused to issue a refund or take action under Regulation E. 

Details of the Fraudulent Transactions : {$2500.00} on XX/XX/year> {$150.00} on XX/XX/year> {$500.00} on XX/XX/year> What Happened : 1. On XXXX XXXX XXXX, I was scammed into sending money via XXXX XXXX XXXX 
XXXX. Upon realizing the fraud, I immediately reported it to both XXXX XXXX and Suncoast Credit Union. 
XXXX. I provided a police report, full conversation history with the scammer, and all supporting documents proving I was deceived. 
4. Suncoast refused my dispute, stating that the transactions were authorized and not covered under Regulation E, even though they were processed under false pretenses.

5. Suncoast suggested I resolve this with law enforcement, yet they refused to cooperate further even after I provided a formal police report. 
XXXX. They did not issue a provisional credit while investigating, which is standard practice in fraud cases. 

Suncoasts Mishandling of My Fraud Claim : Failure to process my dispute under Regulation E protections.

Denial of my fraud claim despite clear evidence of deception. 
Failure to issue a provisional credit while my chargeback was under review. 
Refusal to escalate or assist further, forcing me to take external action. 

Requested Resolution : I request that the CFPB investigate Suncoast Credit Union and require them to : 1. Reopen my fraud dispute and issue a chargeback for {$3100.00}.

2. Provide a permanent refund or provisional credit while the case is re-reviewed.

3. Follow proper fraud protection policies under Regulation E.

4. Explain why they denied my dispute despite strong supporting evidence.

I have attached a copy of the police report, screenshots of the scam, Suncoasts denial email, and all other relevant documents. 

I appreciate your urgent attention to this matter, as Suncoast Credit Union is refusing to take responsibility for this fraud case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am writing to formally dispute a fraudulent repossession account with Bridgecrest that has been mistakenly reported on my credit report. This account was opened without my consent as a result of identity theft. The repossession listed on my credit report is not my responsibility and should be removed immediately from my credit file. 

The details of the disputed account are as follows : Company Name : Bridgecrest Account Number : Balance : XXXX Opened : XX/XX/year> Date of Repossession : N/A Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have the right to request the removal of fraudulent accounts from my credit report. The applicable legal protections are as follows : FCRA Section 605B Identity Theft Victim Protections : According to FCRA Section 605B, as a victim of identity theft, I am entitled to request the removal of fraudulent accounts from my credit report, including repossessions. Credit reporting agencies must act on this request and remove the fraudulent information within XXXX business days of receiving the dispute, provided I submit an Identity Theft Report or supporting documentation. 

FCRA Section 609 ( e ) Victim of Identity Theft : Under this section, I have the right to dispute any fraudulent information, and credit bureaus are required to investigate the dispute. If the information is confirmed as fraudulent, it must be removed from my credit report immediately.

Identity Theft and Assumption Deterrence Act : This federal law allows me to remove fraudulent accounts from my credit report if they were opened or used without my consent. The repossession from Bridgecrest is clearly a result of identity theft and should be removed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-02-26 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TN

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-26 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: TX

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for failing to comply with the law. I request an immediate investigation and correction of the following erroneous item ( s ) : Disputed Item ( s ) : XXXX XXXX XXXX, XXXX, Error ; XXXX, Beginning numbers XXXX, ERROR ; XXXX XXXX XXXX, Beginning numbers XXXX ; XXXX XXXX XXXX, Beginning number XXXX ; and, there are several other negative marks that need to be removed. 

My account was locked through Experian and XXXX because of fraud. There are t According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The inclusion of this inaccurate information is damaging and has caused harm to my financial standing. If this matter is not resolved within the legally mandated timeframe of 30 days, I may pursue further legal action, including seeking damages under 15 U.S.C. 1681o, which holds agencies liable for negligent noncompliance.

I expect a response in writing within the legally required timeframe. If you need further information, please contact me using the information provided above.

Sincerely, [ Your Name ]

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 2025-02-26 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: AZ

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation