vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: AZ

Complaint narrative:
the XXXX account on file does not match my XXXX account. my year of birth in incorrect. possible fraud. the balance shown is not mine.

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 2024-12-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX XXXX Account # : unable to see acct number info on Equifax website Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Re : Urgent Request Fraudulent and inquiries block under section XXXX of the FCRA Account in Dispute : Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action.

Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX XXXX Account # : unable to see acct number info on Equifax website Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: SC

Complaint narrative:
I have been requesting to have all funds that was deposited to Direct Express prepaid debit card be transferred to my bank XXXX XXXX XXXX. These funds were loaded onthis card XXXX XXXX from the XXXX XXXX for my XXXX.My request has been denied XXXX times with the id verification department without valid reasons why. They would not let me speak to anyone in that department or provide documentation explaining denial reason. I requested a check for all funds and to close this account. I was advised by representative that the only time check is issued if I was deceased. And also was told to call VA and request them to pull funds back and reissue to my bank. I have spoke to numerous rep for over 30 days with no help and they also have been blocking me from having access to my own funds numerous times of times advising me it is because of fraud alert. This is one of the worst company ever with very rude customer service. I have also been hung up on numerous of times. My experience with Direct Express has been a total nightmare. I advised them I was going to get a lawyer and also file a complaint with CFPB and their response was like they didnt care.Thanks in advance for assisting me with my complaint with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have received 8 calls in 2 days, they left voicemails, and calling on a Sunday. I have already told them I'm working with a debt counselor and they will contact them soon.

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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Through the weeks of end of XXXX to the beginning of XXXX I was traveling from XXXX  to XXXX  I lost my wallet venmo was my only source of income getting money transfers from my sister understandably I had to go to different gas stations to purchase gas along the way I informed venmo of this letting them know I was out of town from XXXX California and I was heading on my way home and I lost my wallet abruptly thereafter they froze my account have not gave me any explanation on why there was no disputes there's no transactions I just declared fraudulent they just went ahead and locked my account with funds currently in it right now then they unlocked my account for a day and when I try to recover those funds they went ahead and suspended my account again this is more of a prejudiced issue towards me specifically then an overall terms issue they've not giving me any explanation of what I've done wrong if I did anything which they can't because I've done nothing wrong they have no proof of this and I know they don't meanwhile they've now caused my bank account to overdraw over {$100.00} because the funds that they're stealing from me were to cover bills that I had in my bank account those bills have now been debited from my bank without any funds because venmo has stolen my money and 180 days time frame is absolute nonsense because I've done nothing wrong again so I've done nothing wrong they don't have a right to just freeze my account for XXXX 180 days I have to do a violation for that to happen which I haven't done any and they have not given me any proof of it or any explanation of it except for a broad corporate lawyer theme terms of policy that has nothing to do with my situation so again I want to be reimbursed for the money that has been overdrawn in my bank account and the money there currently holding they can close my account I'll go away but I will not do so until I have my money that they owe me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: SC

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: SC

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

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 2024-12-22 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: NC

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the formal complaint submitted to the Federal Trade Commission ( FTC ) to further support this claim. This document highlights the absence of my authorization for these inquiries and underscores the insufficient response provided by the credit bureau, reinforcing my request for the immediate removal of these unauthorized inquiries from my credit report. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of the formal complaint submitted to the Federal Trade Commission ( FTC ) to further support this claim. This document highlights the absence of my authorization for these inquiries and underscores the insufficient response provided by the credit bureau, reinforcing my request for the immediate removal of these unauthorized inquiries from my credit report. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 explanation
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
These account was previously disputed and are still in the middle of investigations because you can not make updates or corrections once a consumer mentions violations and erros they see on they credit especially if the account is closed and the credit file is locked the only thing a company can do is to submit to all applicable laws and follow the steps during investigation just asking to provide complete validation as to why this could be verifiable information on my credit file but companies have yet to conduct a full thoroughly truthful investigation and have yet to provide evidence to support all claims. 
the companies are reporting false / misleading account information that is not mine to furnish information to my credit report with consent forms, no write off receipts since a debt could be sold or no information as to how to you came up with the verification of accounts, went against my rights and ignored requests without any notification by mail with at least some internal supported documentation as to why you did but as you know reporting false inaccurate information on someone credit file is against the law FCRA section 611 & section 623 ( e ) so Im demanding you to delete all accounts listed from credit file now and do not give access to a third party source to view /make new updates with your bureau consent unless its sign by applicable laws showing i gave access to my credit file no tradelines are authorized no charge offs with no reciepts of sales are authorized ... ... .... I have shared and been sharing all enclosed documentation showing all inaccuracies and all valid proof you are in fault and not follow your govern laws. So why can't you do the same for me?. A computer generated response is not supported documentation ; it's false/misleading. 

Once again because i know you're not blind or maybe a real person is not conducting the investigation which is a violation of my rights i'm gon na say this again ; Provide evidence 2 ) conduct a personal investigation not a computer generated 3 ) contact your creditors ask to confirm a deletion of each account they can not properly validate and provide evidence to 4 ) within 3 to 4 business days after you have clearly saw the violations delete all furnishing data and send an up to date report to the address above. 

NOTE : iIF YOUR COMPANY STILL WANTS TO PLAY THE COMPUTER VERIFICATIONS GAMES, BE READY TO BE FINED XXXX PER VIOLATIONS, PAY COURT FINES FOR IMPROPER REPORTING MISLEADING INFORMATION, HAVE LAW AUTHORITIES AUDIT YOUR COMPANY BECAUSE YOU AGREED TO LIE AND DO FRAUD AND MORE.

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 2024-12-22 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: CORELOGIC INC
State: FL

Complaint narrative:
someone stole my identity and got a hold of my credit report please investigate and remove these negative items

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 2024-12-22 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: LEXISNEXIS
State: FL

Complaint narrative:
someone stole my identity and got a hold of my credit report please investigate and remove these negative items

Company response to consumer: Closed with explanation