vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-26 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: NC

Complaint narrative:
I have reported to the Fraudent Utilization on my accounts and receive a automated email from this company at XXXX stating ( We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred. 

Therefore, in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. ) I am demanding a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. 
ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As stated in my request the information requested to be blocked was paid and done so in full until it was utilize by unauthorized persons, and the numerous errors placed on my account. I would like for you to reinvestigate and removal of this information according to the pursuant of section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. You continue to violate my rights in accourdance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business adress of each individual with whom you verified this information so I can once again personally follow up. Please send me a complete copy of my credit report after your reinvestigation.

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 2024-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-09-26 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: VA

Complaint narrative:
To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.

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 2024-09-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXXXXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request.

Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report.

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-26 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Deposits that were made was altered later with my online banking. Ex.. my rent I paid to my land lord was immediately taken out of my account the day I paid. It was deducted from my account that day but it did not process until a week later but twice as much was taken out or the money that was taken out seems to not have been taken out until a week later but went to remaining balance in my account when they already took that payment with no record of the original amount taken out. Also the banks statement dont match my record and when I went to the bank they said to call the number on my card and when I did they gave me the runaround. Also extra fee when I have overdraft protection. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/year> I initiated a {$250000.00} transfer from Marcus to my linked XXXX XXXX XXXXXXXX savings account via phone. The Marcus agent told me that everything looked good and I should be seeing the funds hit my XXXX XXXX XXXXXXXX account within XXXX business days. 

XX/XX/year> The transaction is listed as posted on my account and is in process. I got a call from Marcus same day about verifying my account. They kept telling me they couldnt verify my phone number and identity even though I answered all their questions appropriately in order to verify that I initiated the transfer. Multiple agents werent able to give me an answer as to why. The last agent I spoke to on this day finally said that the transaction will be reversed for unknown reason and I should try to initiate the withdrawal again. 

XX/XX/year> Around XXXX I initiated another {$250000.00} wire transfer from Marcus to XXXX XXXX XXXXXXXX via phone. 

XX/XX/year> I called XXXX XXXX XXXX about my second transaction attempt. They informed me that because the first transaction was reversed the funds were on hold until XX/XX/XXXX. I informed the agent that I would LOSE MY HOME if I dont get this withdrawal in time in my XXXX XXXX XXXXXXXX account. She noted to expedite my case to some other Marcus department. 


Sometime later during the day I finally see my {$250000.00} in my XXXX XXXX XXXXXXXX account. I called XXXX XXXX XXXX to confirm that the funds have been received on their end and I may use the funds as I wish. I called Marcus as well to confirm everything went through. 

THIS WAS THE MOST STRESSFUL THING IVE EVER EXPERIENCED IN MY LIFE. Their identity verification process is so horrible. Putting their clients LIFE SAVINGS funds on hold for more than a week is insane. A lot of people use Marcus as their emergency funds. I can not stress this enough. I WOULD HAVE LOST THE DEAL - MY FIRST HOME PURCHASE, AND MY EARNEST MONEY DEPOSIT ( {$27000.00} ) if the funds from Marcus didnt transfer to my XXXX XXXX XXXXXXXX account in time. Please fix this. I will no longer be doing business with Marcus. HORRIBLE CUSTOMER SERVICE. No one seemed to give me a straight answer whenever I called. TERRIBLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-09-26 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I open an account at well Fargo bank n was approved, XXXX month later they closed the account without any proof of why?

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 2024-09-26 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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