vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: IL

Complaint narrative:
On XXXX XXXX, I signed up for the Albert financial app. On XX/XX/XXXX, they emailed me a direct deposit authorization form which : 1. Contained my unauthorized signature.

2. Was pre-filled with a bank account number they created in my name.

3. Only required my employer 's information to be completed.

4. Was sent to my email address, which if compromised, could enable someone to : - Access the pre-signed form - Identify my employer from my banking data ( which XXXX has access to ) - Submit the form to redirect my entire paycheck - Use my forged signature to make it appear authentic. 

This practice creates serious security vulnerabilities. While I didn't submit the form, sending pre-signed financial documents via email with account numbers and unauthorized signatures creates unnecessary risks of financial fraud and identity theft. 

Timeline of attempting to resolve this : XX/XX/XXXX at XXXX XXXX  : I emailed Albert expressing concerns about their unauthorized use of my signature, specifically requesting : 1. Confirmation the pre-signed form wouldn't be used.

2. Explanation for using my signature without authorization.

3. Assurance unauthorized forms would be destroyed.

4. Confirmation this practice would cease. 

XX/XX/XXXX at XXXX XXXX  : Albert misunderstood the complaint, asking about unauthorized transactions instead of addressing the signature issue. 

XX/XX/XXXX : I sent a clarifying email reiterating my concern was about unauthorized signature use, not unauthorized transactions. 

XX/XX/XXXX : Albert acknowledged receipt and escalated my concern. 

XX/XX/XXXX : Albert responded defending the practice, stating it was " pre-filled to make it easier '' for me. They failed to address : - Their legal authority to use my signature- Whether they would cease this practice - The destruction of unauthorized forms - The legal implications of creating documents with unauthorized signatures. 

I am concerned this practice : 1. Constitutes unauthorized use of signatures on financial documents.

2. Creates security vulnerabilities by emailing pre-signed financial documents.

3. Provides all elements needed for paycheck theft except employer information, which could be obtained from banking data.

4. Sets a dangerous precedent for fintech companies forging customer signatures.

5. Potentially violates state and federal laws regarding signature forgery and financial security practices.

6. Places consumers at risk if their email accounts are compromised. 

I have retained copies of all communications and the pre-signed form.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I applied online for a Regions Bank personal account and was approved. XX/XX/XXXX I went to Regions Bank XXXX XXXX XXXX XXXX deposited {$350.00} and received my printed activated card. XX/XX/XXXX I wasnt not able to use my card and called customer service to be told my account is on hold and it can not be open at this time due to denied screening. I asked why and was told they have no information to provide for me. I asked for my funds to be return and they told me it can be mailed then to be told I have to wait to get an answer from the investigator whether to release my funds or not. I have no timeframe when I will hear back.

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 2025-01-03 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint against the following collection agencies for reporting false and fraudulent debts on my credit report to Equifax and XXXX. These claims are erroneous, and I have no legal obligation to the debts being reported. The following entities are involved : XXXX. XXXX XXXX XXXX XXXX DBA XXXX Original Creditor : XXXX XXXX Amount Claimed : {$12000.00} Date Placed for Collections : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX Amount Claimed : {$1400.00} Date Reported : XX/XX/XXXX XXXX. XXXX XXXX, XXXX. 
Original Creditor : XXXX Amount Claimed : {$120.00} Date Reported : XX/XX/XXXX I have evidence indicating that these accounts do not belong to me. Additionally, I am a victim of a data breach that occurred on XX/XX/XXXX, involving my personal information, including my Social Security number, as disclosed by XXXX XXXX XXXX XXXX I believe these accounts may be the result of identity theft or clerical errors. 

Violations and Harassment Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : These agencies have failed to verify the accuracy of the debts before reporting them. 
Their continued attempts to collect on fraudulent claims constitute harassment. 

Requested Actions 1. Immediate Removal of All Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX must remove the reported debts from all credit bureaus ( Equifax and XXXX ). 
2. Cease and Desist : All collection attempts and communications regarding these accounts must stop immediately.

3. Validation of Debt : Provide detailed validation of these debts, including signed agreements proving my obligation, within 30 days. 
4. Notification to Credit Bureaus : Notify Equifax and XXXX to delete all references to these accounts from my credit file. 

Escalation and Legal Action Failure to comply with my requests will result in : Filing complaints with the Federal Trade Commission and the California Attorney Generals Office. 
Pursuing legal action for damages caused by the violations of my rights under federal and state laws. 

Supporting Documentation Attached to this complaint, I have provided : A copy of the data breach notification from XXXX XXXX XXXX XXXX 
Details of the false claims from the respective collection agencies. 

I expect your agency to take swift action to investigate this matter and hold these entities accountable. Please confirm receipt of this complaint and provide me with an update on the actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
We cancelled Autopay on a Target XXXXXXXX XXXX XXXX on XX/XX/XXXX as we needed to change it to a different bank. We updated the bank however on XX/XX/XXXX as you can see in the XXXX billing statement a late fee of {$30.00} was assessed and no AutoPay was processed. We were unaware that the transaction didn't go through as there was no alert or email to show that the transaction failed. On XX/XX/XXXX we received a letter in the mail stating that the bill was outstanding and that was the only time we realized that the transaction for XXXX didnt go through. We called Target XXXX XXXX on XX/XX/XXXX ( Day XXXX ), to ensure the payment went through as you can see in the attached XXXX Statement report a Phone payment of {$140.00} was initiated. The phone payment was not processed again and you can see this in XXXX 's statement. We called Target again on XX/XX/XXXX to pay the outstanding balance however they could not take a single phone payment through either of my banks ( XXXX or XXXX ) and the reason they provided was that their system was not accepting the account number. After multiple attempts we re-initiated the same payment on XX/XX/XXXX through the online portal and it went through. All outstanding balances were paid as off XX/XX/XXXX. 

Target XXXXXXXX XXXX XXXX on XX/XX/XXXX reported a late payment to all 3 credit bureaus when it was clearly an issue on their end. Target XXXXXXXX XXXX XXXX customer support also mentioned they had a system issue but refused to provide anything in writing. We have stopped using the card and closed their account as Target 's XXXXXXXX XXXX XXXX  Payment processing system is unreliable. Target is not cooperating with the matter and have dinged my credit score permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$3600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : AFFIRM INCAccount Number : XXXX Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report. 
AFFIRM INCAccount Number : XXXX Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report. 
AFFIRM INCAccount Number : XXXX  Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NC

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 : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete these accounts. Here I add the FTC report, hoping that you make a better decision in my 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-03 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am a victim of Identity theft in regards to various XXXX accounts with inaccurate information for the account XXXX, and there is also inaccurate personal information ( see attached identitty theft 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 non-monetary relief