vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX Re : Debt Validation Assignment Contract Request for Account [ XXXX ] Dear Sir/Madam, I am writing to formally request validation of the debt referenced above, which your agency claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe, including documentation of your legal right to collect this debt. 

Specifically, I request the following : Proof of Assignment : A copy of the debt assignment agreement or contract between your agency and the original creditor ( or any subsequent creditor ) that authorizes you to collect on this debt. 
Proof of Ownership : Verification that your agency is legally authorized to collect on behalf of the original creditor, including any documentation proving that the original creditor assigned this debt to your agency.

Original Debt Agreement : A copy of the original signed contract or agreement between myself and the original creditor, which substantiates the debt being claimed. 
Account History : A full breakdown of the debt, including the original balance, interest, fees, and any other charges that have been added. 
Other Required Documentation : If applicable, any judgment or court order that substantiates your right to collect on this debt. 
Please note that under the Fair Debt Collection Practices Act, your agency must provide the requested validation and cease collection activity until this debt has been verified. If you can not provide proper documentation, I request that you immediately cease reporting this debt to the credit bureaus and stop all collection efforts. 

If this debt is not validated within 30 days from the date of receipt of this letter, I will consider the debt invalid and will take the necessary steps to remove any negative items from my credit report, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulators. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, Account XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint against Citibank, N.A., regarding the handling of my XXXX XXXX XXXX XXXX account. I was issued this card after applying for it, and I successfully activated it on XX/XX/year>. However when I attempted to use it that day to pay for parking at XXXX XXXX XXXX, Citibank immediately locked my card, citing suspected fraud. 

Upon calling customer service at XXXX PM XXXX XXXX to resolve the issue, I was informed that Citibank could not verify my identity. I offered multiple solutions to verify my identity, including visiting a local Citibank branch with proper identification, but I was told this was not an option. I called back at XXXX PM Central Time to attempt to resolve the issue, but I was again informed that my only option was to wait for a verification letter to be sent via mail, which would take 7-10 business days to arrive. During this time, I would not have access to my account and would be unable to use the credit card that was issued to me. 

I find this process to be highly unreasonable and an unnecessary hardship. The inability to verify my identity through alternative means, such as in-person verification, digital verification, or providing official identification over a secure channel, effectively locks me out of my account without due process. This not only disrupts my financial activities but also raises concerns about Citibanks customer service and accessibility policies.

I believe this practice is unfair and restrictive, potentially violating consumer protection laws. I am requesting the CFPB to investigate Citibanks verification and fraud prevention policies, particularly regarding : The inability to verify identity through reasonable, alternative means beyond a mailed letter. 
The excessive delay in regaining access to an account without clear justification. 
The lack of immediate and accessible customer service solutions for account holders who are locked out of their accounts. 

I respectfully ask for CFPBs assistance in ensuring that Citibank provides fair and transparent access to their accounts, including improved identity verification options that do not unreasonably delay or restrict access. 

I appreciate your time and attention to this matter. Please let me know if additional information is required.

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 2025-02-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> - Balance : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hi, This is regarding my penfed auto lease # XXXX. Back in XX/XX/year> a auto monthly payment didnt go through from my husbands chase accounts. While I attempted to replace the pay account XXXX made all sorts of issues and didnt allow me to add an account to pay for severel weeks thus resulting in the late paymnet. They also would not take payment over the phone. So i tried setting up another pay account, First they said that inorder to use my husbands account I needed to be a signor. Then they said that my name must be on the account listed and that a signor is not good enough. They said you can be added as a signor on a business account, then said the same thing that my name would need to be listed on a statment. All the while I cautined that If they dont give me an alternative I will be reported late. XXXX said that there was nothing worry and the account was still in good status. I was notified this week that a late payment is showing and am deeply disturbed by this. I called XXXX but they said there was nothing they can do about it. 

I appreciate your

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 2025-02-28 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: NC

Complaint narrative:
I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX PERSONAL LOANS - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX & XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX C - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : {$4600.00}

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 2025-02-28 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 am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX PERSONAL LOANS - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX & XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX C - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : {$4600.00}

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: WV

Complaint narrative:
They call back to back 3 times. They have called me multiple times in a 7 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
i am filling this complaint regarding an inaccurate item on my credit report that continues negatively impact my credit despite my effort to resolve this directly with the reporting agency, it remains unresolved. I Request immediate investigation and removal of this item, as is it incorrect and does not reflect my true credit history.

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 2025-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Block Inc and or Cashapp closed my account on XX/XX/year> saying that I violated terms of conditions, I asked more than once as of why my account is being shut down and of course they did not tell me any reason or explain to me why, and my account is fully verified with my ID, social security number, and address on file, I also have money and bitcoin still in it and I refuse to withdraw unless they give me a valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Im writing to formally express my concerns regarding Zelle Handling My Accounts Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite Using Zelle Multiple Times And Reporting Discrepancies, my financial institution and ZELLE failed to investigate my claims adequately.They Informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They Informed me XXXX findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams .This Lack Of ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Notice of Action Based on Information Contained in Consumer Report Date of Notice : XX/XX/2025 The PNC XXXX XXXX XXXX XXXX XXXX. 
All rights reserved. PNC Bank , National Association. Member FDIC XXXX XXXX PNC Bank regrets that we can not open the Virtual Wallet account you requested. Our decision was based in whole or in part on information provided by the consumer reporting agency noted below. The consumer reporting agency identified did not make this decision and is unable to provide you with specific reasons why this action was taken. 
Its important for you to understand your rights under the Fair Credit Reporting Act : You have the right to know the information in your consumer report. 
You have the right to a free copy of the report from the consumer reporting agency that provided the information if your request to the consumer reporting agency is made within 60 days of receiving this letter. 
You have the right to file a dispute with the consumer reporting agency if you find that any information in your report is inaccurate or incomplete. 
To exercise these rights, contact the consumer reporting agency noted below : XXXX XXXX XXXX Phone : XXXX Fax : XXXX Mail : XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MD

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 explanation
Consumer complaint received 2025-02-28 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain credit.

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 2025-02-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-02-28 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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation