vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3separate fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Transunion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : Contents of XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that transunion credit reporting agency block all of the accounts, collection and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This lending shady compnay Affirm harrassed me many times after I stated that I have financial issues. They refused to help and continues harassing with several texts a day. Then went to my credit report trying to ruin my credit by reporting late payments. Also they refuse to show license to lend in the state of Florida and validation I owe this money. This is a shady business and need to be investigated in California

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
This account was reported in accurate to the XXXX main credit reporting agencies and I have tried numerous times to have the correct the account. This company is in the process of going bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

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

Under 15 U.S. Code 1681e ( 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 shalli ) 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 items from my credit report, immediately : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-20 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: CA

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

Under 15 U.S. Code 1681e ( 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 shalli ) 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 items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a monthly charge-off on my credit report by your agency. The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681n, requires credit reporting agencies to ensure the accuracy of the information they report. It has come to my attention that my account is being marked as charged-off on a monthly basis, which is incorrect.

Attached See Notice of Dispute Letter Below

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 2024-10-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I contacted Citibank at XXXX to close my Certificate of Deposit ( CD ). The original deposit amount was {$500.00}, and after two years, it had grown to {$540.00}. Despite my request, I have been unable to close the account. 

When I first called, the agent said she couldn't verify my identity and therefore couldn't assist with closing the account. Frustrated, I called again, and this time the agent assured me he had found my account, confirmed it was in the grace period, and promised to close the CD and issue a check, which I was told I would receive in 7-10 days. 

However, this turned out to be false. When I checked today, I found that the CD had been reinvested into a new term instead of being closed as promised

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 monetary relief
Consumer complaint received 2024-10-20 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXXseparate fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer XXXX credit report. XXXX XXXX XXXX, XXXX XXXX Auto XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX Auto XXXX XXXXI demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws XXXX 
CFPB Complaint against Credit Reporting Agencies Equifax Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
XXXX XXXX Consumer Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : First Premier Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX  XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-20 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: OH

Complaint narrative:
I sent disputes letters to XXXX, TransUnion, and XXXX. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected

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 2024-10-20 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: OH

Complaint narrative:
I sent disputes letters to XXXX, XXXX, and Equifax. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Blockchain.com for withholding my funds for over XXXX months. The issue started in XX/XX/year> when I encountered glitches in their app, which led me to delete and reinstall it. After reinstalling, I was required to reverify my account, even though it had been previously verified. 

I promptly completed the reverification process, which was acknowledged by Blockchain.com. According to their terms, manual verification should take XXXX to XXXX business days if automated verification fails. However, after a week of waiting with no updates, I contacted them on XX/XX/year>. Their response simply stated that my case was being resolved and they would notify me when it was complete. 

Months passed without resolution. After XXXX months of silence, they contacted me again, requesting more information, which I immediately provided. Despite this, I still have no access to my funds and have received no meaningful updates from Blockchain.com. 

Upon further investigation, I discovered that Blockchain.com has a history of withholding funds from users, causing prolonged delays similar to mine. I feel that the platform is intentionally frustrating its customers to the point where they give up on recovering their money, and I am determined not to let them do this to me. 

I am seeking your assistance to intervene and help me regain access to my funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX Case number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 a personal credit card XXXX XXXX  Account # XXXX with a balance of {$420.00}. This account was previously reported as fraudulent and was removed from my credit report on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate, and the re-reporting of this account constitutes a violation of that law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Credit card company was suppose to send me a letter stating that the charges such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX the company that they would do a fraud investigation within 90 days but that I would still have to pay the bill. I still continued paying the bill when they was suppose to suspend interest payments until investigation was concluded. 
The company never sent a letter of what was found in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CO

Complaint narrative:
I was sent XXXX on XX/XX/year> from a sub contractor I use for my business. Cash app has taken the money from me and will not let me have it or access it at all since it was deposited last year and will not answer any of the numerous requests as to why! I have tried MULTIPLE TIMES to wait for the promised response and still have been told absolutely nothing! Which is the SAME thing as theft! ITS BEEN A YEAR AND NOONE WILL TELL me WHY or anything at all actually! They just keep giving me the run around and its NOT OKAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive called to resolve this issue and I have asked to resolve this continuing issue with Wells Fargo but they insist on asking for a payment of {$1300.00} and the account was said to be closed on XX/XX/scrub> 2021 this has affected my eligibility to open a new bank account and apply to be a part of a credit union. I demand that the company resolves this issue by immediately taking this negative item off of any and all reporting agencies/services permanently. A big part of this issue was during the time that the said account was opened Wells Fargo representatives country wide were using malpractice and coercion to open up accounts under peoples information with the customer unknowingly being a victim of identity theft. 
Ive given Wells Fargo enough time and have said enough. Thank you for your time and consideration.

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 2024-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
We ordered a broker price opinion to check if we can remove PMI. We got the XXXX and the bank sent me a letter saying based on my new home valuation the new Loan to Value LTV is 76 %, however that is not good enough to remove PMI. Based on your website, PMI should be removed at 80 % and must be removed by 78 %. Please help.

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 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I got this personal loan to try to consolidate my debt, but when I recieved the loan I added on insurance to the loan. Which they said would pay my monthly payment, if anything were to happen. I Called them to use this service and they said that it wasnt like that, and they wouldnt be covering anything. Now I owe them late fees, on top of XXXX payments at once. So Im not exactly sure what the add on was that I purchased.

Company response to consumer: Closed with explanation