vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Up on to XX/XX/year> I was able to get into my account on their website. I did all my banking online. I was in the hospital for a month and tried to do banking, but I made too many password resets to where they said I'd have to go to a TD Bank, a brick and mortar branch to reset everything so I could get into my accounts. I showed up at the XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. I had a talk with the store XXXX, XXXX XXXX, and she swore up and down that the lock that was on my account was lifted and I would be able to do my banking. She even showed me on her monitor that my account was free and clear and I would be able to do my banking. I get home, try to get into my account and its locked. I call the XXXX number, and ask for a supervisor to say I did everything on my part, I showed up at a bank and spoke to the XXXX. I have a business card to prove it. I called the XXXX twice and they're telling me I have to go back to the XXXX XXXX store. This is ridiculous. I want to transfer my money to another bank and its XXXX. The call center says I have to go the bank, I do, the bank mgr says its fixed and I get home and try to log in and its still locked. They're wasting my time and not giving me my money. They also got XXXX dollars out of my savings account which I never used because I didnt usage the savings account enough, and meanwhile I had XXXX in my checking account. I want access to my money and they're blocking me trying to move funds to another bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am trying to get in touch with a real person at Experian because someone else is using my social security number so that I can not freeze my credit or put a fraud alert out for my SSN

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 2025-02-24 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: NY

Complaint narrative:
There are many items on my credit file that are not mine and also credit accounts that have stemmed from identity theft. You are in violation of U.S. Code 1681 sections A and B. You are also in violation of U.S. Code 6802. I am ready to file a lawsuit against all 3 major credit bureaus.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: PA

Complaint narrative:
On the morning of XX/XX/year> I lost my phone and wasnt able to find it until 3 weeks later. Soon after finding it I accessed my online Revolut Bank account to review my transaction history and I discovered a number of unauthorized charges were made using my card information which the individual responsible for making the charges was able to obtain after finding my phone because I didnt have any password protection on it. I immediately reached out to the merchant involved to request their assistance followed by filing a dispute with Revolut in relation to the charges. In my dispute I provided as much information as possible as well as screenshots of my correspondence with the merchant however I receiving a notice of dispute denial less than 10 minutes after I submitted the dispute. How the dispute team was able to thoroughly investigate or investigate at all for that matter within such a short period of time is incomprehensible and obvious that no investigation was ever done and the denial was a foregone conclusion when I filed the dispute. In addition to the denial, the notice also informed me that there is nothing more that Revolut can do to assist with the matter and that I should refrain from further inquiries in relation to the charges that were disputed. With that being said I feel as though I have no other recourse to try and recoup the money that was taken from my account without my permission and submitting this complaint seems like the only option that I have at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Equifax refuses to remove XXXX XXXX XXXX XXXX XXXX  informaion on credit report. The account was closed but not removed after 7 years, The account is now over 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute the fraudulent account ( s ) that have been reported under my name. I recently discovered that the following account ( s ) do not belong to me and were opened without my authorization : Account Number ( s ) : XXXX Date Opened : XX/XX/year> Amount Charged : {$2500.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

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 FTC identity theft report ( FTC REPORT NUMBER : XXXX ) 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 or improper use of my information and should be blocked : XXXX XXXX XXXX | # 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 CREDIT BUREAU 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 with these account. Here I add the FTC report, hoping that you make a better work in this situation, 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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
I received a notice dated XX/XX/year> stating they were attempting to collect a debt for " XXXX XXXX XXXXXXXX XXXX XXXX XXXX '' creditor account number XXXX, address i.d . XXXX, balance of {$2600.00}, and file # : XXXX - problem is that I have never lived there. The notice says that it is a settlement opportunity, but I am not looking to settle as I did not live there. I have documentation of everywhere that I have lived for the past ( almost ) decade, and before that I was in XXXX in the XXXX part of GA. I checked my credit and I do not see this collection on there. the phone number to the law office is XXXX and their physical address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I called them once but it feels like a scam, I was transferred to someone's voicemail and it all just feels uncomfortable. I have since put an alert on my credit, as someone must have stolen my identity, as I did not live there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
XXXX XXXX provided me with a car loan back in 2019. Due to the XXXX pandemic, I was unable to continue paying my loan. Even though I asked to be relieved, they continued to harass me. I ended up surrendering the car. Still, they continue to harass me. 
This month, they ran an unauthorized hard inquiry on my account and they will not answer my calls. 
Equifax wont remove the unauthorized inquiry either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CORELOGIC INC
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, XXXX, and XXXX consumer disclosure reports.

A request for a permanent security freeze and permanent opt-out on my consumer file. Part 1 : Dispute of Inaccurate Information
I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, CoreLogic, Clarity, and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to Validate Debt : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided.

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly.

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties.

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings.

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information.

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.

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 2025-02-24 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: ID

Complaint narrative:
XXXX XXXX # XXXX On XX/XX/XXXX I requested an investigation into this account, after your investigation the errors on this account were still not fixed, so on XX/XX/XXXX I requested a re-investigation on this account, but the errors still weren't fixed. So, on XX/XX/XXXX I pointed out the errors still on this account, and I asked you delete this account due to the continued errors I pointed out. You sent me an email saying that your were going to delete this account like I requested. But I still saw this account appearing on my credit report. So on XX/XX/XXXX I attached the email you sent me saying that this account has been deleted, even though it is still showing up on my credit report. I am not sure why you would say you are going to delete this account, but not delete it even after I showed you the email that you sent saying you were going to delete this account? Then on XX/XX/XXXX I asked why is there no data XXXX of XXXX? How can you know if I was 30 days late in XXXX, if you don't know what I did in XXXX? Also, why do you have so many inconsistencies with the other credit bureas on this account. According to the FCRA if you can't make the account complete and accurate, and it is not consistent information across the credit bureaus it should be deleted. So, why haven't you deleted it yet, especially when you sent me an email stating it was deleted? I would still like this information. If you can't provide this data, I would like this account deleted, because XXXX is showing different data, and according to CFPB and the FCRA if data on an account is not in alignment with all the credit bureaus, then the data furnisher ( XXXX XXXXXXXX ) must not be providing accurate data, and that is grounds to delete an account.

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 2025-02-24 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:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts and 4 inquiries appearing on my Equifax due to Equifax Breach. I do not recognize the accounts below which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4. Fraudulent inquiries XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my 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