vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Before making my purchases, I consistently transferred funds from my savings account to my checking account well in advance both hours and minutes before each transaction to ensure full coverage. Despite this, Citibank has repeatedly overdrafted my account for the same transaction amounts, not just once, but across multiple occasions over the past several months and possibly years. After these overdrafts, Citibank began debiting my savings account without my authorization to cover these supposed overdrafts. 

I have not opted into Citibanks overdraft protection program at any time. I have always been careful to transfer funds in advance of my transactions. These repeated overdrafts and withdrawals from my savings account happened without my consent and without proper explanation from Citibank. 

On XX/XX/year>2025, between XXXX XXXX  and XXXX XXXX, I contacted Citibank to request an investigation and explanation of these ongoing transactions. I first spoke with a representative named XXXX, who was extremely rude and dismissive. I asked to escalate the issue, and I was transferred to XXXX, a supervisor in Client Relations, who explicitly stated that she would not investigate my claim and refused to escalate the matter further. 

Following this, I sent a written escalation to Citibanks Executive Response Unit, but I have not yet received resolution. 

I believe Citibanks actions violate : Regulation E ( Electronic Fund Transfer Act ) for overdrafting my account without opt-in consent, and for making unauthorized debits from my savings account.

Their legal obligation to investigate account errors and customer disputes.

This has been an ongoing issue across multiple transactions, not an isolated incident. I am seeking assistance to have this matter fully investigated, to have all overdraft charges and unauthorized debits reversed ( including past transactions ), and to receive written confirmation that my account settings particularly regarding overdraft protection are correct and that this issue will not happen again.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following item from my credit report, immediately.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX. XXXX XXXXXXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, 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 2025-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information across all three major credit bureaus ( Equifax, TransUnion, and Experian ). 

This account ( allegedly with account number ending in XXXX / XXXX ) violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) including, but not limited to : FCRA 623 : The account is reported with conflicting account statuses and inconsistent agency and creditor names across bureaus. A single tradeline should not have multiple versions across Equifax, TransUnion, and Experian.

FCRA 611 & 623 ( a ) ( 3 ) : Despite active consumer disputes, the furnishers failed to correctly update or flag the account as disputed in a uniform manner, and continue reporting it without validation.

FDCPA 809 ( b ) [ 15 USC 1692g ( b ) ] : There has been no documented verification provided that XXXX XXXX has a valid legal right to collect on this account. No proof of original debt or ownership of the debt has been provided to me despite multiple disputes.

FCRA 602 ( A ) : This reporting has caused measurable harm to my credit profile, impairing my ability to secure housing, insurance, and financial opportunities, which violates the FCRAs purpose of fairness and accuracy. 
DEMAND : I am requesting that this account be immediately deleted from all three credit bureaus due to its : Inaccurate and misleading reporting, Unverified and conflicting information, Lack of documentation to validate the debt. 
If this request is not resolved within the required time frame, I will escalate this matter by seeking legal counsel and filing additional complaints with the FTC, state attorney general, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information across all three major credit bureaus ( Equifax, TransUnion, and Experian ). 

This account ( allegedly with account number ending in XXXX / XXXX ) violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) including, but not limited to : FCRA 623 : The account is reported with conflicting account statuses and inconsistent agency and creditor names across bureaus. A single tradeline should not have multiple versions across Equifax, TransUnion, and Experian.

FCRA 611 & 623 ( a ) ( 3 ) : Despite active consumer disputes, the furnishers failed to correctly update or flag the account as disputed in a uniform manner, and continue reporting it without validation.

FDCPA 809 ( b ) [ 15 USC 1692g ( b ) ] : There has been no documented verification provided that XXXX XXXX has a valid legal right to collect on this account. No proof of original debt or ownership of the debt has been provided to me despite multiple disputes.

FCRA 602 ( A ) : This reporting has caused measurable harm to my credit profile, impairing my ability to secure housing, insurance, and financial opportunities, which violates the FCRAs purpose of fairness and accuracy. 
DEMAND : I am requesting that this account be immediately deleted from all three credit bureaus due to its : Inaccurate and misleading reporting, Unverified and conflicting information, Lack of documentation to validate the debt. 
If this request is not resolved within the required time frame, I will escalate this matter by seeking legal counsel and filing additional complaints with the FTC, state attorney general, and 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: ID

Complaint narrative:
XX/XX/year>XXXX  we were notified by PNC Bank that a fraudulent check had been presented for Mobile Deposit and they were not processing the deposit and holding the funds in the amount of {$17000.00} We initiated a fraud claim with XXXX XXXX to retrieve the funds PNC bank held. It has been over 6 months and PNC has not released the funds and XXXX XXXX has dropped pursuit of the claim. We have an open claim against XXXX XXXX and we are initiated an additional claim against PNC bank. 

Both banks refuse to speak to us regarding the situation or process and both banks claim neither bank is cooperating. This is ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was offered a XXXX XXXX. On XX/XX/XXXX, I received a check from the employer. The bank confirmed that the check was valid, and on XX/XX/XXXX, they released a partial deposit of {$5000.00} into my account. 

On XX/XX/XXXX, I used {$1900.00} to make a purchase on a fraudulent website, as instructed by the supposed employer. Later, the bank showed a {$2800.00} charge for this purchase, which resulted in my account being overdrawn. The {$2800.00} charge appeared on my bank account even though I only used part of the funds. 

On XX/XX/XXXX, I received a legitimate payment of {$1000.00} for a service I provided, but the bank withheld this amount to cover the negative balance. On XX/XX/XXXX, the bank denied my dispute over the fraudulent check and purchases, despite not requesting any evidence from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Equifax Data breach credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft.

1. Identity Theft Bankruptcy : Dismissed XXXX Case Number : XXXX 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX 5. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX. 
6. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX 7. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX 8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX 9. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX 10. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX 12. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX 14. Identity Theft XXXX XXXX XXXX Account Number : XXXX 15. Identity Theft XXXX XXXX XXXX Account Number : XXXX 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX. 
17. Identity Theft XXXX XXXX Account Number : XXXX 18. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 19. Identity Theft XXXX XXXX XXXX Account Number : XXXX 20 . Identity Theft XXXX XXXX XXXX Account Number : XXXX 21.XXXX XXXX XXXXXXXX Account Number : XXXX 22. 
XXXX XXXX XXXX Account Number : XXXX 23. 
XXXX XXXX Account Number : XXXX 24. 
XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX 25. 
XXXX XXXX XXXX Account Number : XXXX 26. Identity Theft XXXX XXXX XXXX Account Number : XXXX 27. 
XXXX XXXX Account Number : XXXX 28. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 29. Identity Theft XXXX XXXX XXXX Account Number : XXXX 30. 
XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Someone used my card without my permission so I turned it in as an authorized transaction. As soon as I turned it in they canceled my card and sent me a new one by the time my new card got here they had already closed my account out then I get a letter from them telling me they didn't investigation and that they have come that it was not my thought and that it was mistake and they replaced the money. Well now my unemployment goes in the bank account every week but on my end it is closed they will not let me close it they will not let me touch my money they just keep collecting it and being rude every time I call. Unemployment tells me they can't do anything because it's in my name and they tell me they can not do anything I've seen in pictures of my ID front and back a picture of myself numerous times. This has been going gone since XXXX now I have over {$1500.00} in the bank that I can not touch and they will not do anything to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The fraudulent credit card account XXXX and ending in XXXX, still remains on my credit reports from credit bureaus. American Express and AMEX is using fraudulent unauthorized personal information to keep the fraudulent account on my credit reports. I spoke with American Express and AMEX and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that American Express and AMEX is reporting to my credit report is a closed transit station called : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX This account number reporting : XXXX and ending in XXXX was deleted from my credit report and American Express and AMEX reinserted back the account to the credit bureaus using these fraudulent unauthorized addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The fraudulent credit card account XXXX and ending in XXXX, still remains on my credit reports from credit bureaus. American Express and AMEX is using fraudulent unauthorized personal information to keep the fraudulent account on my credit reports. I spoke with American Express and AMEX and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that American Express and AMEX is reporting to my credit report is a closed transit station called : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This account number reporting : XXXX and ending in XXXX was deleted from my credit report and American Express and AMEX reinserted back the account to the credit bureaus using these fraudulent unauthorized addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
My loans were reported as delinquent 90 days and all 9 account added to report at once. There was no formal notification nor credit reporting that would reflect 90 days delinquency even being a possibility. Please remove all 9 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My loans were reported as delinquent 90 days and all 9 account added to report at once. There was no formal notification nor credit reporting that would reflect 90 days delinquency even being a possibility. Please remove all 9 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My loans were reported as delinquent 90 days and all 9 account added to report at once. There was no formal notification nor credit reporting that would reflect 90 days delinquency even being a possibility. Please remove all 9 accounts.

Company response to consumer: Closed with non-monetary relief