vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NJ

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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
Ive had money stolen from my account multiple times leaving me negative and forcing me to pay it back, unauthorized charges on my account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: DISCOVER BANK
State: SC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a Discover Bank account on my credit reports. The account, opened fraudulently in XX/XX/year>, was not authorized by me. I am a victim of identity theft, confirmed by the XXXX Data Breach that exposed my personal information. 

Despite my attempts to resolve this issue, the account continues to appear on my credit reports with discrepancies across all three major credit bureaus ( XXXX, XXXX, and XXXX ). For example : XXXX lists the account as derogatory with an unpaid balance of {$170.00}. 
XXXX marks the account as Paid but reports it as a charge-off. 
XXXX reflects a derogatory status with conflicting details. 

I have taken the following actions to address this issue : XXXX. Filed an Identity Theft Affidavit with the FTC. 
XXXX. Reported the fraud to my local police department and submitted a police report. 
XXXX. Submitted dispute letters to all three credit bureaus with supporting documentation, including proof of my identity and evidence of identity theft. 

I am requesting the immediate removal of this fraudulent account under FCRA Section XXXXB. This law mandates that credit bureaus block and remove fraudulent information within XXXX business days of receiving the required documentation. 

This situation has caused significant harm to my credit profile and financial well-being. I expect prompt action from the involved companies to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I open this account and even a business when attached to it because I'm opening a business. I had money deposited into this account and now they will not let me touch it remove it do anything with it it is stuck there. Every time I go to add a card so that I can withdraw or a bank or anything that would have to do with me being XXXX moving my money from that account I get an error message that tells me to contact than XXXX  support. I've been super patient it's been about 5 days I've been in contact with them every time My account has been suspended two times I've provided every single document they ask for and then some proven that I am who I am and that I am a valid person and this is my account my money my banks my cards and they tell me that there's nothing they can do. They tell me they can not override or allow anything to happen and it's just it's my card or bank that's the problem and to contact them. I have added every single card in my wallet I have added every bank I have the same error message. Can't use the debit card that they gave me for the account it just says invalid. I can't send it to anybody no matter which way I try same error message contact XXXX support. They won't help And his money is absolutely vital to me opening my business and getting it off the ground it is nearly {$800.00}. This is not fair this is unjust I have cooperated in every single way they need to allow me to make a move so I can remove my money from that account I will close the accounts and I will have nothing to do with him it's my fault for thinking that I could trust what a friend who also owns a business said about them that they were great and a good platform to run your business transactions through. Looks like I'm not going to have a business if they don't return my money and I'm up against a deadline as well and they want to take their sweet time even responding to me. They have no phone number to actually speak to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OZK
State: AR

Complaint narrative:
We are filing this formal complaint against Bank OZK due to their mismanagement of my business account, their failure to provide adequate account access, and the resulting negative impact on my credit, financial standing, unnecessary fees and financial burdens. At no time has the bank indicated that we did anything wrong, yet we have been forced to suffer the consequences of the banks actions. 

Summary of the Issue In late XX/XX/year>, fraud was detected on our accounts with Bank OZK, which led to the bank restricting access to the compromised accounts. However, despite opening a new accounts, we were not provided access to the business account until late XXXX XXXX period of nearly XXXX months. 

During this time : The bank failed to provide me access to my funds, making it impossible to manage or verify transactions without assistance of a bank representatives. 
After we were forced to open a new account, the bank unilaterally closed it due to an internal issue, without notifying us. 
They returned multiple payments ( including utility bills and CC charges ) due to a lack of verification, despite my inability to access any of the accounts. 
Their refusal to process these transactions resulted in late fees, returned payments, and significant credit damage. 
Repeated requests for a written record of what occurred, including all notifications sent to account holders, have been ignored. 
Meetings with key bank employees were disregarded or unattended, and we were repeatedly passed between various employees within the Bank OZK system. Throughout this process, we found ourselves at the bank multiple times a week, yet our concerns remained unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-13 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: IN

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX, IN - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax XXXXata breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill

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 2025-02-13 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: IN

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX, IN - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax XXXXata breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill

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 2025-02-13 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: GA

Complaint narrative:
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 TransUnion 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 ________ 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 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 2025-02-13 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: AR

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and request that you take immediate action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent and inaccurate information from my credit report within 4 business days of receiving this complaint.

The information in question is the result of identity theft and does not reflect any actions or accounts that I have opened, initiated, or authorized. The fraudulent accounts, collections, and hard inquiries that are listed below appear on my credit report and have impacted my FICO score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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 2025-02-13 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: AR

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and request that you take immediate action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent and inaccurate information from my credit report within 4 business days of receiving this complaint.

The information in question is the result of identity theft and does not reflect any actions or accounts that I have opened, initiated, or authorized. The fraudulent accounts, collections, and hard inquiries that are listed below appear on my credit report and have impacted my FICO score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I got sick and went XXXX and my phone was stolen in XXXX. I call XXXX and they never got my phone back or other phone, now they send my credit to the collector. 
I want dispute this problem but I dont know what to do, I need help, my phone number is 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime REFUSE TO GIVE ME MY MONEY {$180.00} to be exact. XXXX  RETURNED the funds to CHIME and chime REFUSE TO RETURN THE FUNDS back to me and I just don't understand why. Im NOT a Rich lady and I work Hard for my money. To feel like I've been ROBBED is not a good feeling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Authorization to Proceed with Identity Theft Dispute Case Reference # XXXX To Whom It May Concern, I am writing in response to your request for authorization to proceed with my identity theft dispute regarding fraudulent accounts on my credit report. This letter serves as my formal authorization for Experian to investigate and act upon my dispute filed under FCRA Section 605B.

As previously submitted, I have provided : 1. FTC Identity Theft Affidavit ( XXXX XXXX : XXXX ) XXXX. Police Report ( Report XXXX : XXXX, XXXX Police Department ) XXXX. Statement identifying fraudulent accounts XXXX. Supporting documents as required by law Authorization Statement : I, XXXX XXXX XXXX, explicitly authorize Experian to proceed with the dispute investigation and removal of the fraudulent accounts and inquiries associated with identity theft from my credit report. You have my full permission to take the necessary actions as mandated under the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing that you have received this authorization and are proceeding with the investigation. If further clarification is needed, you may contact me at XXXX or XXXX. 

Failure to act on this dispute in accordance with 15 U.S.C. 1681c-2 ( a ) and 15 U.S.C. 1681i will be considered a direct violation of federal law, and I am prepared to escalate this matter accordingly. 

Thank you for your prompt attention. I look forward to a resolution within the legally required timeframe. 

Sincerely, XXXX 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