vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 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 the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
- I opened a HEILOC and a checking account with Citizen Bank on XX/XX/year>. 
- I transfered XXXX from HEILOC to checking account. 
- From checking account I tried to transfer the XXXX to business account which triggered some checks on Citizens 's side. 
- Citizen then blocked the checking account. I could not access the account, statements, or funds. 
- We called them multiple times to understand what happened and when will my funds be released and have received very limited information. They charged me to get the statements for my checking account and sent a statement but no other information. 
- Since then we closed our HEILOC and paid the XXXX from a new HEILOC from another company - The checking account is still blocked. It has {$10000.00} in funds. We can not access it or the funds and the bank is charging monthly checking and other fees. 
- We have received no communication on when the funds will be released. 
- We would like to get our funds back and close the account. 
- We also feel it is unfair that the bank is charging us fees for an account we can not even access for months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable information.XXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate..

this is a violation of my consumer rights..

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 2024-12-07 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax XXXX XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Equifax ) Account Number : XXXX ( XXXX  ) XXXX XXXX XXXX Credit Card ( XXXX XXXX Account Numbers XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) XXXX Account Numbers : XXXX ( XXXX XXXX XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX Account Numbers : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX ( XXXX, XXXX XXXX Equifax XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX Account Account Numbers : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX XXXX XXXX XXXX  Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX  Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX ) Account Number : XXXX ( Experian ) XXXX XXXX XXXX Credit Card ( XXXX XXXX Account Numbers XXXX XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) XXXX Account Numbers : XXXX ( XXXX XXXX Experian, XXXX ) XXXX ( XXXX, Experian, XXXX ) XXXX ( XXXX, Experian, XXXX ) XXXX XXXX Account Numbers : XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX ( XXXX, Experian XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX Account Account Numbers : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX Experian XXXX XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have 9 hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XX/XX/XXXX ( XXXX ) Name : XXXX Name : XX/XX/XXXXName : XXXX XX/XX/XXXX Name : XXXX XXXX Name : 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
The company Lexis Nexis has obtained a public record in my name from the courts and is furnishing and selling the information as a derogatory record. The company did not obtain my prior written consent to take such action. The actions of the company is defaming my character, name, and likeness. And preventing me from obtaining rights granted to me. I am competent and aware that using another person identifying information without consent is identity theft which is a crime punishable by law and imprisonment. I am seeking for Lexis Nexis to redress my consumer report by doing what ought to be done and deleting the information from their records. I am a free living soul and no person has the right to traffic my human name for gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX  Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resubbed from an alleged identity theft, not later than 4 business days after the date of receipt, 1 HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM "

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Crimes occurred XX/XX/year> to XX/XX/year> I am a victim of identity theft and fraud. A man, posing as a USAA bank security representative, called me while using a phone number registered with USAA. Gaining my trust, he then contacted my bank, USAA, pretending to be me. This deceitful scheme allowed him to hack into my account. He charged unauthorized purchases to my USAA debit and credit cards, submitted applications for two consumer loans in my name, and drained all the funds from each of my accounts, leaving me with devastating financial consequences. He used : XXXX, XXXX, XXXX XXXX and XXXX to commit the crimes. 

Names used to commit fraud : XXXX XXXX XXXX XXXX XXXX The crime has taken : {$10000.00} checking and Savings combined {$13000.00} credit card charges 2 Consumer loans {$13000.00} {$3000.00}

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 2024-12-07 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: MN

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2400.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MN

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XXXX - XX/XX/XXXX - {$150.00} XXXX  - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : 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