vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-08 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 request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-08 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: FL

Complaint narrative:
Im writing because Ive noticed an issue with the information reported on my credit report thats not in line with FCRA guidelines. The accuracy of this item is clearly compromised, and its affecting my credit in a way that it shouldnt.

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 2025-03-08 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I called Wells Fargo and spoke to a lady and asked her to stop all pending transactions in the amount of {$4000.00} and to place a block on the merchant in specific. She said she would and this conversation took place days before the transactions were processed and apparently they didn't do as I asked and {$4000.00} was taken out of my account. I disputed the transactions because that is what they said I had to do next and the very next day they closed the claim which wasn't enough time to investigate it! I sent emails and called wells Fargo to reopen the claim and a lady at the executive office called me and said she sent in a request to deposit funds back into my account and they denied 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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called capital one 3 times today, twice Overseas CS did not understand and for US CS, I have been on hold now for over 54 minutes. I went onto naturemade.com to make a purchase, I guess you pay with the company SHOP and then all of a sudden they knew all of my Capital One Credit Card information. I can't get anyone on the phone to ask why. I want to know why CO automatically shared my CC information with this company, I DID NOT AND I DID NOT GIVE THEM PERMISSION TO DO SO! This is a breach of my privacy and personal CC information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
My Social Security was sold on the dark web, 2 accounts were opened under my name, from two Companies. XXXX XXXX  and XXXX. I have repeatedly asked for proof of statements, because it was apparently done online, fraudulently using an electronic signature. I kept receiving bills with a different amount Every month. After I refused to make payments, XXXX XXXX, although apparently the same company, were both sending my statements. Then, they started reporting late payments to all 3 credit bureaus, creating a very low credit score for me. Then after they couldnt prove either to be my account, they sold them to a credit collection agency, XXXX XXXX, XXXX. They have closed the accounts, but it is now, recent put back on as XXXX and 90 day late payments for Achieve, and two 30 day lates and one 90day late, with 2 charge offs. XXXX XXXX company had previously been removed, now its showing as a collection account on my credit 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 2025-03-08 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: FL

Complaint narrative:
Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian an XXXX XXXX both has had data breaches with personal information being compromised Ive seen multiple inquiries wrong addresses an my information is being compromised far as identity theft.

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 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XX/XX/XXXX2025 Reported unrecognized purchase charge on Barclays XXXX account for {$1.00}. Told amount would be refunded to account and account # closed and changed. 
XX/XX/XXXX/25, Next month no new purchases made but learned that XXXX XXXX charges a minimum monthly fee whether card is used or not. I was not previously made aware of this policy and have never heard of such a policy. I requested my account be closed and told all charges would be refunded to account and any additional interest and or late fees removed. 
XX/XX/XXXX/25 learned that despite my account being closed I am responsible for now {$9.00} due in XXXX. There have been no new purchases. 
Upon calling again am still put on hold multiple times with no resolve. I cant even know what this balance is related to. All I get is non-english speaking persons telling me that it will be corrected with no real way of knowing I wont see the same non sense next month.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
GS bank reported me in XX/XX/year> and in XX/XX/year> they reported me late payments violating the consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX : Started to receive phone calls and emails from XXXX and XXXX regarding a Citibank XXXX debt of {$7100.00} XXXX XXXX : Submitted a written request via email to opt out of communications from XXXX and XXXX. 

XX/XX/XXXX : Submitted complaint number XXXX to the Consumer Financial Protection Bureau XXXX For inaccurate reporting on my credit report. Since XXXX XXXX XXXX owns the debt it should show as a collection and not a closed account with a balance owed to Citi bank. The CFPB sent the complaint to XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX and XXXX responded. I was unable to open the response PDF at the time on both my phone and my computer. 

XX/XX/XXXX : I received a letter from XXXX XXXX XXXX XXXX stating that according to public record a lawsuit had been filed against me. I was able to find the case by using the search tool XXXX XXXX XXXX XXXX XXXX XXXX 
I reviewed the court activity and see that the following activity took place on XX/XX/XXXX : Notice of filing filed, affidavit as to military service filed, summons issued and returnable, consumer debt complaint filed, and new case filing. I can also see that there is a court date of XX/XX/XXXX in XXXX XXXX XXXX with judge XXXX XXXX XXXX. 
I sent an email to XXXX on XX/XX/XXXX, XXXX requesting information on the summons that I never received. 
I looked up my original CFPB complaint and found that I was able to open the response from XXXX and XXXX XXXX, see document in desktop folder XXXX and XXXX. 
It indicates dates that have nothing to do with this debt. The dates were incorrect, the client was incorrect, and I was never served or requested to appear in XXXX XXXXXXXX XXXX XXXX I did not even live in XXXX  at the time of this case. 
I was able to obtain the court record that was referenced in their response letter ( see attachment ). This court case is not me. XXXX XXXX XXXX XXXXXXXX I responded to my original CFPB complaint and am opening an additional complaint. 

Inconsistancies pertaining to their response on CFPB : I believe they are referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX  case number XXXX - the dates align with the dates provided in their CFPB complaint response from XX/XX/XXXX but this is not a case related to me. 
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 2025-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in the XXXX and a company down there was trying to get me to purchase some machine for my wife. They said I could make small monthly payments with XXXX. They signed me to their wifi and had me sign into XXXX. Then took my phone from me and walked out the room and when they came back they said it was all set. I was like I didn't agree to anything or see the terms. They also took me off the wifi. They said don't worry its all set and the machine will be delivered to your house after they asked for my address. This all happened XX/XX/XXXX. I got back to the states on XX/XX/XXXX and I could see they made an agreement with XXXX  for XXXX dollars a month which I can't afford. I contacted XXXX  and they are disputing this since I told them I didn't agree to anything, that the salesman took my phone and left the room we were in and set it up. That is not a low monthly payment at all. Then I noticed they charged my credit card with Bank of America. I disputed the transaction but they said I authorized it and I told them I didn't. I also reopened the dispute and they waited a month and just informed me that I authorized it even though I didn't. I also informed them that I never received any product that they charged me for so I opened a new dispute with them saying I never received anything and since the company is in the XXXX there is no way to reach this company at all unless I were to fly down there and I can't afford to fly down to the XXXX. They just informed me today, XXXX that while I might disagree with their decision it stands that I owe money to a company in the XXXX for a product I never got. I filed a complaint with the XXXX down in the XXXX as well but they haven't got back to me either. I am just looking to get some help for a purchase that one, I never authorized and two never got product for.

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 2025-03-08 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: PA

Complaint narrative:
Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report no longer shows any account or any paid in settlements or any info only keep XXXX house clean and that's been getting stolen

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 2025-03-08 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: Experian Information Solutions Inc.
State: WA

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

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year> spoke to fraud specialist to review acct. I attest all transactions are valid. Please allow me to make a purchase with my card ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I have already paid off this debt with XXXX XXXX at mountain land collections. I have told knights collections agent about it several times and the courts have provided this information as well. Yet they continue to harass me and refuse to take it off my credit or provide more information. I have had identity theft and this account was closed in XXXX. Yet they are saying there are transactions from XXXX. Which is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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