vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
My governments funds were stolen from somebody who changed the address on my account after I reported online fraud and requested a new card. My new card was sent to that address and they in turn activated the new card with a new PIN # and proceeded to make purchases and ATM withdraws from my account. In total, {$2900.00} was stolen. These withdraws were made at 2 Comerica Banks in XXXX, and XXXX XXXX, MI along with a purchase at XXXX XXXX in XXXX, MI. I tried many times to contact Direct Express and was never able to speak directly to a human. I went to the Social Security Office, then to Comerica Bank where I was told that they had nothing to do with Direct Express, liars. I then sent a letter to Direct Express in XXXX XXXX, TX and to date have still not received a response. I have filed a police report with my local department who has requested the ATM camera footage from both of these banks for the dates in which the withdraws were made. This has got to be an inside job. I NEVER requested an address change on my account, I have lived here for over thirty years. When I requested a new card from Direct Express, somebody there changed my address so that my card would be sent there instead of to me. This all started on XX/XX/year> and when my deposit for XXXX hit my account they went back to the bank and withdrew all of that money as well. I immediately changed my institution in which my funds were directed, and also deleted my account from Direct Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a credit account opened at XXXX XXXX XX/XX/XXXX with a balance of $ ( private ) and also a credit account from XXXX opened XX/XX/XXXX under the account number ( private ). These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2024-12-13 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: NJ

Complaint narrative:
There are accounts on my credit report that I have nothing to do with, and theyve caused my score to drop significantly. These accounts arent mine, and theyre creating a lot of unnecessary problems for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX   Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 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: TX

Complaint narrative:
I am a victim of a data breach and have discovered the following fraudulent accounts and inquiries on my credit report. These accounts and inquiries were not authorized by me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 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: TX

Complaint narrative:
I am a victim of a data breach and have discovered the following fraudulent accounts and inquiries on my credit report. These accounts and inquiries were not authorized by me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be immediately blocked and deleted from my credit report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AZ

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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I have been disputing negative and fraudulent Items in my credit reports since XX/XX/XXXX. XXXX, XXXX and TransUnion are constantly bouncing my information back and forth, they are always adding derogatory items on my credit reports. They are constantly sharing my personal private information without my permission they are constantly violating The Privacy Act of XXXX, XXXX, Transunion and XXXX are extremely negligent they constanly violate 15 U.S. Code 1681s. They are supposed be truthful but they just lie they constantly send me the same computer generated responses and they tell me I'm not truthful. I have submitted multiple identity theft reports, they all owe me {$50000.00} each, one day they will remove items and then the next day they add items that are not mine. they violate 18 U.S. Code 242 and 15 U.S. Code 1681n They constantly break the law. I have not been able to get approved. On XX/XX/XXXX they removed the XXXX account and they blatantly disregarded the attorney general of XXXX  they also violate 15 U.S. Code 1692 Transunion, XXXX and XXXX are violating UCC 1-103 : Duty of good faith and fair dealing.

UCC 2-305 : Implicit contractual obligations requiring equitable exchange.

UCC 9-102 : Protection of intangible property interests.

Additionally, I suspect that XXXX, TransUnion and XXXX 's actions, including the unauthorized use and monetization of my data, may involve the private securities market, with significant tax implications. I have requested a forensic securities audit to uncover the extent of these practices. They break every FCRA law including 15 U.S. Code 1681e. I have submitted affidavits under penalty of perjury and they still provide no proof or help. TransUnion, XXXX and XXXX pose as " Credit Bureaus ''. but they are not Federal, Bureau means federal. These are privately owned data mining companies. They get to s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I have been disputing negative and fraudulent Items in my credit reports since XX/XX/XXXX. XXXX, Equifax and XXXX are constantly bouncing my information back and forth, they are always adding derogatory items on my credit reports. They are constantly sharing my personal private information without my permission they are constantly violating The Privacy Act of XXXX, XXXX, XXXX and Equifax are extremely negligent they constanly violate 15 U.S. Code 1681s. They are supposed be truthful but they just lie they constantly send me the same computer generated responses and they tell me I'm not truthful. I have submitted multiple identity theft reports, they all owe me {$50000.00} each, one day they will remove items and then the next day they add items that are not mine. they violate 18 U.S. Code 242 and 15 U.S. Code 1681n They constantly break the law. I have not been able to get approved. On XX/XX/XXXX they removed the XXXX account and they blatantly disregarded the attorney general of XXXX  they also violate 15 U.S. Code XXXX XXXX, Equifax and XXXX are violating UCC 1-103 : Duty of good faith and fair dealing.

UCC 2-305 : Implicit contractual obligations requiring equitable exchange.

UCC 9-102 : Protection of intangible property interests. 
Additionally, I suspect that XXXX, XXXX and Equifax 's actions, including the unauthorized use and monetization of my data, may involve the private securities market, with significant tax implications. I have requested a forensic securities audit to uncover the extent of these practices. They break every FCRA law including 15 U.S. Code 1681e. I have submitted affidavits under penalty of perjury and they still provide no proof or help. XXXX, Equifax and Equifax pose as " Credit Bureaus ''. but they are not Federal, Bureau means federal. These are privately owned data mining companies. They get to s

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
XXXX Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
Subject : Unauthorized Disclosure of Personal Information via Text Message To whom it may concern, I am writing to formally address a matter of grave concern regarding a recent communication I received from your agency. On [ XX/XX/year>, at XXXX ], I was sent a text message containing a photocopy of a debt collection notice, which included sensitive personal information such as my name, address, the amount owed, and details of the creditor. 

This unsolicited text message feels like a violation of my privacy rights and the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, I understand that I am entitled to a validation notice by mail prior to any further collection activities, providing me an opportunity to verify the legitimacy of the debt. 

Furthermore, the transmission of personal information via text message without prior mailed notices or validating that the phone number is indeed mine raises significant privacy and security concerns. Therefore, I request that this debt be removed from my records immediately due to the improper handling and notification of the debt. 

Please confirm receipt of this letter and provide a written explanation of the measures your agency will take to prevent further breaches of personal information. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> Citibank XXXX XXXX Credit Card Charged me XXXX & XXXX for membership fees. On or about XX/XX/year> I called Citibank to close my account and ask for a full refund of membership benefits from XXXX which they did not provide and they refused to credit back those fees. By federal law is illegal to charge for service ( benefits ) that are not provided/rendered. I kindly ask for your help in this matter. Thanks

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