vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-10 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:
Upon reviewing my consumer reports, I discovered a instance of late payment on an account for which i have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I have never missed a payment on the Following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payment. If unable to furnish such proof, I demand that this payment be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligations without delay.

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 2025-01-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-10 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: WI

Complaint narrative:
I'm looking for an apartment for my lease is up in XXXX. I thought I found an apartment. I sent someone named XXXX XXXX {$65.00} with Zelle through my bank for the application fee that was supposedly refundable. Then I received another text from someone named XXXX to give them an additional {$150.00} to hold my spot yo see the apartment. I told him I was under the impression that that's what the application fee & form was for. I told him I'm not giving him anymore money through Zelle until I saw the apartment. He said no so I said give me my money back. He said that he " thinks '' he lost my money. My bank said they couldn't dispute even though it was fraud because I did the transaction myself using Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a standard conventional home loan with Citibank for {$480000.00} on XX/XX/year>. 
Citibank insisted writing a physical check of {>= $1,000,000} to XXXX XXXX to pay for my partner 's credit card debt. I am the sole borrower of this loan from Citibank. Citibank doesn't have my permission to use my loan amount to pay for someone else 's credit card debt. I try to communicate to Citibank staff and no one is responding to my concerns. 
I don't understand why Citibank insists that I need to borrow $ XXXX to pay someone else 's credit card debt. I have told Citibank that I would prefer to lower my loan amount if they don't feel comfortable. Citibank insist that I need to borrow the maximum that I can afford to pay for someone else 's credit card debt that I have no control over! 
This is bank fraud.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed with Experian about many accounts on my consumer report with them. They have failed to make sure that my credit profile is accurate and in its completeness. When i Disputed with them they sent back the accounts were verified in which i'm not disputing for two of the accounts but I am for one of them. My dispute was the accuracy of the accounts and the completeness of the account in which i know for a fact they're not being reported accurately or complete. They have even spelled my name wrong on the results that they sent back to me. I will upload the documents of what was sent to me. According to FCRA 15 U.S.C 1681s-2 if a consumer disputes a debt the furnisher must investigate dispute and correct any inaccuracies.as well as 1681i this section requires credit bureaus to reinvestigate and the bureau must verify the accuracy of the information or delete it if it cant be validated.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CT

Complaint narrative:
I am a victim of identity theft and this is the 3rd CashApp debit card I received, opened in my name, without my consent or knowledge. I have placed fraud alerts and freezes everywhere possible and have requested CashApp ban my information, but they will not do it unless I send a selfie holding my ID, which I am hesitant to do for obvious reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My checking account was breached and an unauthorized {$5000.00} check was written against the account. For months I could not get an answer from the bank as to the status of their investigation until I filed a complaint with the CFPB. I immediately received a response and a credit of the {$5000.00} taken. I recently received a letter from the bank stating that an ex employee was responsible for the unauthorized activity and I am being offered a 2 year credit monitoring program. In the letter, the bank left a phone # to call, XXXX, for questions or concerns about the letter. I called the number. It appears to be the general credit card information line. It requests your credit card information. Since I do not have a credit card with the bank ( my issue is with a checking account ) I can not respond to the auto inquiries, so the line hangs up. This line should be a dedicated line that addresses questions related to the unauthorized activity detailed in the letter. I am also looking for lifetime credit monitoring as this unauthorized activity was conducted by a bank employee. My personal information will be at risk forever, not just 2 years. The bank should take responsibility to protect its customers from a situation it created for as long as that situation will put the customer at risk. I would also like a direct line to someone who will discuss my concerns with the letter. I am also asking the CFPB to investigate the issue of the identity theft by an employee and determine if the bank 's compliance process and remediation process is adequate for this issue. Thank you

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX, and XXXX of XXXX XXXX merchants by the names of XXXX and XXXX used my debit card number and made {$1700.00} worth of unauthorized transactions on my checking account. I filed a dispute with Capital One over the fraudulent charges. Capital One claims they completed their investigation and sided with the fraud. I investigated what both merchants are and they are some kind of cryptocurrency merchants. I have never bought that product in my life. The scammer ( merchants ) got ahold of my debit card info, drivers license info, and my social media. These merchants aided a scammer/impersonator that stole money from my capital one checking account to transfer to a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
From 2019 until currently have been over charged fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I attempted to establish a free online account to freeze my credit on XX/XX/XXXX with Experian. The website stated that they could not verify my identity so I couldnt establish the account. I called the phone number and submitted the freeze request. They said I would receive a PIN to lift the freeze in the mail or by email. I did not receive the PIN. On XX/XX/XXXX, I attempted to thaw the freeze temporarily. I could not use the website because they stated they still couldnt verify my identity. The automated phone system did not allow me to thaw the freeze and would not connect me with a human being. Using the website, I uploaded information to verify my identity on XX/XX/XXXX. The website states that I would receive an email confirming the identity was verified and the temporary thaw was honored. I have not received such an email. I am still unable to establish a free account to manage the freeze because the website states they are unable to verify my identity. Using the automated phone system, I was able to learn that the temporary freeze was implemented. However, I am unable to manage it because I can not establish an account. This is unreasonable ; I was able to easily establish and manage free accounts with the other credit reporting agencies. I have lived at the same address for over XXXX years ; I have had the same phone number for over XXXX years.

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 2025-01-10 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint is filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies XXXX, XXXX, and Equifax block XXXX appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of receiving this complaint. The disputed information includes fraudulent and inaccurate details from several accounts. A personal credit card account with XXXX XXXX was opened in XX/XX/XXXX, which incurred fraudulent charges of {$520.00}. Additionally, an account with XXXX XXXX XXXX XXXX was fraudulently opened in XX/XX/XXXX, though the amount of fraudulent charges is unknown. There is also an unauthorized account with MI XXXX XXXX XXXX XXXX but both the opening date and fraudulent charge amounts remain undetermined. Furthermore, a fraudulent account associated with XXXX XXXX XXXX XXXX has accrued {$900.00} in fraudulent charges, and similarly, an account with XXXX XXXX XXXX has an unspecified opening date with fraudulent charges totaling $ XXXX XXXX XXXX  {$880.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$1900.00}, XXXX {$4500.00}, XXXX XXXX {$320.00}, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These accounts have led to several unauthorized hard inquiries and collections appearing on my credit reports. I've attached a list of the hard inquiries in question and a copy of the consumer XXXX credit reports showing the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries on my credit reports were not initiated by me and are the result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX as evidence from the US Federal Trade Commission that all the disputed consumer credit accounts, collections, and hard inquiries are due to identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
XX/XX/year> Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account. 

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe.

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-10 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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