vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Identity Theft Due to Data Breach Dear CFPB, I am writing to formally file a complaint regarding identity theft that I experienced as a result of a recent data breach. This incident has caused significant harm to my personal, financial, and emotional well-being. Details of the Incident : Name of Company/Organization Responsible for Breach : XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX and Equifax ETC Date of Data Breach : XXXX Type of Information Compromised : [ e.g., Social Security Number, financial account information, drivers license, etc. ] Description of Identity Theft : Since the breach, I have discovered that my personal information has been used without my consent. Specifically : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX I have taken the following steps to address this issue : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. Contacted the companies involved to dispute fraudulent accounts and charges. Placed fraud alerts and credit freezes with the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). Impact : These fraudulent activities have negatively impacted my credit score and caused considerable distress. Additionally, I have incurred financial losses and spent significant time resolving these issues. Request for Assistance : I request that the CFPB take the following actions : 1. Investigate this matter to ensure that the responsible organization is held accountable for the breach. 2. Assist in ensuring that the fraudulent activities are resolved, and my credit report is corrected. 3. Advise me on any additional steps I should take to protect my identity and financial well-being. Enclosed are copies of the following documents to support my claim : Police report ( if filed ) FTC Identity Theft Report Thank you for your time and attention to this urgent matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-28 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:
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 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian keeps reporting information that doesnt belong to me addresses XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX de 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 2025-01-28 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
An account has been fraudulently opened under my name, social security number, and address at Bank of America. I have asked the account to be closed, which it has. I also asked that the bank stop reporting this account to the credit reporting agencies, which they have not done. Since this is a case of identity theft, they need to correct this informtion as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). However Bank of America fails to do this and is violating federal law.

I have included FTC and police reports to the bank, but they still refuse to act. And they refuse to send any information and documentation that they have used to make this decisions, which is also required under the FCRA.

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 2025-01-28 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: MA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-28 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:
Please check the information concerning the Equifax data breach below and attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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.

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-28 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:
I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach XXXX had and numerous other issues. These account do not belong to me. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from XXXX which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXXXX/XX/XXXX account # XXXXXXXXXX opened on XX/XX/XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is regarding TRUIST and their transaction/withdrawal timing. 

I have made a transaction to make a credit card payment with a different company on XX/XX/year>2025. I requested to have the transaction completed immediately so the posted date was the next day ( XX/XX/year>2025 ). This wouldn't happen if I did not have sufficient funds in my Truist account, so the transaction did go through right away. However, Truist had the amount come out XX/XX/year>2025 causing an overdraft fee. 

This has happened before where the timing of the withdrawals caused multiple overdraft fees. The timing does not add up and is very sketchy. The last time this happened, they didn't offer an explanation why my transaction was delayed a week, they just refunded the overdraft fee. Truist is scamming people.

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 2025-01-28 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: IN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Negative Information on XXXX XXXX XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by Equifax on my credit report concerning my XXXX  XXXX XXXX account . I believe this inaccurate reporting is a result of violations of the Fair Credit Reporting Act ( FCRA ), as found by the Consumer Financial Protection Bureau ( CFPB ) in its investigation of Equifax. The CFPB discovered that Equifax failed to properly investigate consumer disputes, ignored relevant consumer evidence, and allowed previously deleted errors to be reinserted into consumer credit reports. 
Specifically, I am disputing the negative information associated with my XXXX XXXX XXXX account, as Equifax has : 1. Failed to thoroughly investigate my dispute : I submitted relevant documentation that was ignored or inadequately considered by Equifax. As noted by the CFPB, the process by which Equifax submits and investigates disputes limits the ability of consumers to fully articulate their concerns. This has led to my dispute being inadequately reviewed. 
2. Reported previously deleted inaccuracies : I have noticed that inaccuracies related to this account, which should have been removed, reappeared on my credit report. This is consistent with the CFPB 's findings that Equifax allowed previously deleted errors to be reintegrated. 
3. Provided confusing or contradictory results : I received conflicting statements from Equifax in response to my dispute, such as both " this has been verified as accurate '' and " this item has been deleted. '' The contradictory nature of these responses undermines my ability to trust the accuracy of the information on my credit report. 
4. Misreported my credit score : Due to coding errors, my credit score has been inaccurately calculated, which could negatively impact my creditworthiness. The CFPB 's investigation revealed that Equifaxs flawed software has caused several consumers, including myself, to receive inaccurate credit scores. 
5. Failed to block information resulting from identity theft : Although not directly related to this account, I also noticed that there may be instances of identity theft-related information on my report, which should have been blocked under FCRA guidelines . This is indicative of Equifax 's failure to maintain effective systems to identify and prevent the reporting of incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
This account was paid on XX/XX/year> and it does not appear reported in the XXXX  and XXXX  bureaus, which is inaccurate information. This inaccurate information misleadingly manipulates the statute of limitations. This account was not adequately investigated and that negligence has violated my rights under 15 US Code 1681i - Procedure in Case of Questioned Accuracy. I demand the deletion of the following account : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 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: GA

Complaint narrative:
I recently received a copy of my XXXX, TRANSUNION and XXXX credit report and found the following account listed as late payments on my credit report : ACCOUNT NAME : XXXX XXXX  Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agenc

y may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written
instructions of the consumer to whom it relates. 

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS TRANSACTION AS A LATE ACCOUNT. 

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is EXCLUDED FROM FURNISHING AND REPORTING. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. 

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. DO NOT DELETE THE ACCOUNTS. 

XX/XX/year> ACCOUNT IS ( XXXX  ) XX/XX/year> ACCOUNT IS ( XXXX ) DAYS LATE XX/XX/year> ACCOUNT IS ( XXXX  ) Please provide me with bank statements or any transactional documentations that lead you to report this account ( 30 ) days late when I never been late paying any company. This is interfering and preventing me from buying a home amongst other things in my life. Your reinvestigation has showed no proof. 

Failure to respond satisfactorily with deletion of late payments referenced of account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance 5. 616 Civil Liability for willful noncompliance 15 USC 16811n 6.Negligent Enablement of Identity 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