vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX BANK Account # : Balance : {$1000.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name XXXX XXXX XXXXccount # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX, BEST B XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX, XXXX B XX/XX/XXXX XXXX  XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencies 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 XXXX XXXX which was opened XX/XX/XXXX - XXXX  Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. 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 The aforementioned 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 # 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 non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agencies 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 XXXX XXXX which was opened XX/XX/XXXX - XXXX Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. 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 The aforementioned 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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I transferred {$200.00} to an account held by XXXX XXXX XXXX at a XXXX XXXX  branch. It was a refundable deposit on an online purchase. After dealing with the seller for a couple of days, it became apparent that the offer was a scam. I requested a refund from the seller through Messenger, phone calls, and text messages. I continued to contact them over the next couple of days, over the weekend, without the refund being sent.I gave them a deadline to refund the deposit which they did not abide. 

On Monday XX/XX/year>, I went to my local branch location of XXXX and explained the situation and gave them the details. They provided me with a case number XXXX. They sent the information to their Fraud Division. The branch manager said I would be called by someone from that department. 
Then I went to the local county Law Enforcement Center and gave a statement to a deputy. She gave me a case number of XXXX and said an investigator would call me. 
I received a letter from Truist within two days which basically stated they could not help me, that it was a XXXX issue. From XXXX, they say it is a bank issue. 

With me providing the account name and telephone number, I do not see why XXXX can't contact the receiver and issue me a refund. So far, I have nothing from either company that says they are interested in helping me resolve the issue. 
I filed a FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
After i found out that i was a victim of identity theft, i contacted the credit bureaus and let them know that these accounts where fraudulent. The credit bureaus refused to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
XXXX XXXX at First Horizon Bank locked my account. My checking account. There was over {$30000.00} in my account and the money has been in my account for a period of time and XXXX chose it upon his self to get the great idea of locking my whole bank account to where I can not even use it. He locked the account on Friday, XX/XX/XXXX and XXXX blaming it on a lady in the back in security department that locked my account but hes not giving me the ladies name number fax number email address or any type of contact information of the lady in the back security office, that decided to lock my account. XXXX was the last person I spoke to about my account and he locked it. No other banker or teller locked my account. XXXX starting to think that he stole the money out of my account because now my account is {$99.00} XXXX in the negative and I need my account unlocked immediately so I can continue to pay bills and taxes and take care of my family. This is very unethical. XXXX is also a MASSAGE client over at my Spa establishment that I own so XXXX thinking that he XXXX have locked my account in regards to of not having happy ending services at my spa because he had XXXX at a different location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against XXXX, Equifax, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On [ date ], I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, Equifax, XXXX continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, Equifax, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, Equifax, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Experian, XXXX, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On [ date ], I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Experian, XXXX, XXXX continue XXXX furnish information related to my account with XXXX  on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Experian, XXXX, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Experian, XXXX, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian, XXXX, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

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 2025-01-13 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Lexington Law Firm, have not help me fix my credit. Started the credit help process in XXXX i have not have any improvement in my credit, til this day. i have not receive any updates they have filed on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My credit card with Bank of America was closed with paid off as of XX/XX/XXXX with a XXXX XXXX Bank of America would not have closed the account otherwise. 
For some reason, a balance of {$89.00} later appeared as of outstanding once card was closed and not in my possession anymore, I was not aware of that anyhow, until sapling for new card in XXXX XXXX i have learned that in XXXX Bank of America XXXX XXXX combined late payments from XXXX XXXX XXXX they always posted XXXX negative derogatory marks on my credit report and despite contacting customer service via email ( XX/XX/XXXX and XX/XX/XXXX ) and phone those were not removed from my account, Revolving account closure on XX/XX/XXXX, and the charge-off status, For undocumented {$89.00} they have impacted significantly my XXXX XXXX and despite contacting them several time to this days the problem is not resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
I just notice a fraudulent hard inquiry on my credit report made by XXXX CARD on XX/XX/year>. I'm not sure on this happened. I called my bank to let them know that it was not me who made this inquiry. They said that I should place a credit alert and freeze on my personal credit profile. I told them I would like this inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX COLLECTION XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: OR

Complaint narrative:
I have tried paying off my Edfinancial student loans on a monthly basis since XXXX, but the payments continue to be reversed. Interest is accruing on these payments, so I hope to have this fixed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: PA

Complaint narrative:
I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, XXXX allowed Carmax to update information after reporting incorrect information for two years. XXXX has now stopped me from online reporting and using my account to dispute Carmax account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under XXXX, they have stopped me from disputing under my account, and continued to reject any of my disputes for Carmax and the only response to my dispute, XXXX can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, Carmax was allowed to update instead of deleting and the remainder of the disputes have been rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, XXXX allowed XXXX to update information after reporting incorrect information for two years. XXXX has now stopped me from online reporting and using my account to dispute XXXX account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under XXXX, they have stopped me from disputing under my account, and continued to reject any of my disputes for XXXX and the only response to my dispute, XXXX can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, XXXX was allowed to update instead of deleting and the remainder of the disputes have been rejected.

Company response to consumer: Closed with explanation