vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Description of the Issue : On XX/XX/XXXX, my wife and I contacted Citibanks XXXX Department to request financial assistance due to temporary financial difficulties. We submitted the request in good faith, following Citibanks stated policies regarding financial hardship assistance. However, despite our compliance with their process, Citibank failed to properly process our application. As a result, our account was subjected to an unjustified " force pay '' transaction on XX/XX/XXXX, which led to the unauthorized deduction of {$1300.00} from our account. 

Due to Citibanks failure to honor its hardship assistance policy and mishandling of our request, we incurred additional financial burdens, including {$2700.00} in medical bills, essential monthly expenses, and other costs directly related to this issue. This brings our total financial loss to {$4100.00}. 

Attempts to Resolve the Issue : On XX/XX/XXXX, we sent a formal demand letter to Citibank requesting the reimbursement of the unauthorized withdrawal and the damages caused by their failure to process our hardship request correctly. Despite our efforts to resolve this matter amicably, Citibank has failed to respond. 

We made multiple follow-up calls to Citibank, speaking with several representatives and managers, none of whom took full responsibility for the mishandling of our hardship request. We also requested access to the recorded call from XX/XX/XXXX, to provide clear proof of our claim. However, Citibank refused to provide the recording, avoided direct answers, and failed to acknowledge the financial and emotional stress their actions have caused our family. 

We are aware that Citibank records all customer service calls, and we are confident that the recorded conversation from XX/XX/XXXX, will provide clear evidence of our hardship request and Citibanks subsequent failure to act appropriately. 

We request the following actions from Citibank : - Immediate reimbursement of {$1300.00} for the unauthorized withdrawal. 

- Compensation of {$2700.00} for additional expenses incurred due to Citibanks mishandling of our hardship request. 

- A formal response from Citibank addressing this issue and ensuring corrective action is taken to prevent similar occurrences in the future. 

Given that Citibank has continued to delay any response, our financial stress has only increased. If this issue remains unresolved, we are prepared to increase our claim amount accordingly. Additionally, we are still fully prepared to escalate this matter legally and hire an attorney if Citibank does not take immediate corrective action. 

We appreciate your prompt attention to this matter and look forward to a resolution. Please let us know if any additional information is required.

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 2025-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-26 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 made various disputes on the XX/XX/XXXXaccount. To have it completely removed due to the incorrect reporting. Ive sent numerous of documents showing that its been paid and closed out. Yet they keep sending emails saying its been verified which lead me to believe they did not investigate at all which is unlawful. According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report 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 2025-02-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 Account XXXX XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX This account is on my credit report twice.. The other account being XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL Creditor XXXX XXXX. Both accounts are inaccurate with one balance at {$2700.00}. While the other account reads {$2000.00}. XXXX XXXX XXXX XXXX This is not my account. I have never applied for a XXXX XXXX XXXX. Victim of identity Theft. XXXX XXXX XXXX XXXXXXXX original Creditor XXXX XXXX XXXX This is not my account. I have never applied for a XXXXXXXX XXXX XXXX XXXX  Victim of identity theft. XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX I have never applied for a XXXX XXXXXXXX XXXX XXXX Victim of identity Theft. XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX  I have never applied for a XXXX XXXX XXXX XXXX. Victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX i have never applied for a XXXX XXXX XXXX XXXX  Victim of identity theft. I looked at my XXXX  credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information/ ( A ) In generally, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XX/XX/year>, I identified an issue with XXXX XXXX XXXX regarding an inaccurate debt collection entry on my credit report. The amount in question is {$9900.00}. 

To resolve this matter, I took the following actions : On XX/XX/year>, I submitted a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
In response, I was informed that XXXX XXXX XXXX no longer owns this debt and that it has since been transferred to XXXX and subsequently to XXXX XXXX XXXX. 
Despite no longer owning the debt, XXXX XXXX XXXX continues to report this account on my credit file, which constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ). 

As XXXX XXXX XXXX is not the current owner of this debt and can not validate it, they have no legal basis to report it. This false reporting is causing harm to my creditworthiness and must be removed immediately. 

I formally dispute this collection account and request that the Consumer Financial Protection Bureau investigate this matter. I also request the following actions : XXXX. Immediate removal of this erroneous debt collection account from my credit report. 
XXXX. Verification and documentation from XXXX XXXX XXXX proving their legal right to report this debt. 
XXXX. If they can not provide valid documentation, a formal acknowledgment that they will cease reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
My information has been used with my consent, these account and inquiries are affecting my report so bad. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-02-26 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On XX/XX/year>, I decided to switch phone carriers, I paid my finalized bill and later on that same month. I was a victim of identity theft and recently received an inquiry on my credit report indicating an outstanding collection associated with a debt owed to XXXX XXXX XXXX Upon further investigation, we discovered a secondary XXXX account opened under my name and Social Security number, to which I have no association or knowledge. After communicating with XXXX , they confirmed that the secondary account is fraudulent and assured me they will take the necessary steps to address the issue. The information listed on my credit report is related to transactions that I did not authorize or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal is trying to charge me {$550.00} for something I know nothing about. I've been on the phone with them XXXX ( XXXX ) times and asked them to send me a list of what this is for because I've never bought anything through them for that single amount. They said they would send me the information but have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXalance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$190.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
Unauthorized atm withdrawals XX/XX/year> XXXX {$300.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$300.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request 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 a fraudulent XXXX XXXX XXXX Reference # XXXX ( Transunion ). This account has resulted appearing on my consumer FICO credit report. I do not recognize the aforementioned account reported and does not show up on my XXXX or XXXX reports. The aforementioned account appearing on my consumer credit report maintained by you was not open, made or initiated by me. All the aforementioned account 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 account 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