vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX 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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
Subject : Urgent Complaint Regarding Withheld Funds by Eastern Bank Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my deep concern and distress regarding a pressing issue with Eastern Bank, specifically involving an employee by the name of XXXX. 

On the month of XXXX I deposited a cashiers check of {$18000.00} into my account with Eastern Bank. Along with my existing balance of {$5000.00}, totaled XXXX However, to my dismay, these funds have been unjustly held, and I have been unable to access my own money. 

I have reached out to XXXX at Eastern Bank on multiple occasions to resolve this matter and request the release of my funds. Unfortunately, instead of receiving assistance or a reasonable explanation, I was met with mockery and ridicule. XXXX went as far as to pressure me into admitting that the money was fraudulent, which is entirely untrue and defamatory. He even tried to persuade XXXX XXXX Bank to back him but they told him that check was from them and from my business account to my personal account. Instead of him to let go and release my money he refuse.. 

This situation has caused me immense stress and financial strain, as I rely on these funds for my livelihood. I am pleading for your immediate intervention to ensure that Eastern Bank releases my money back to me. 

I am confident that the Consumer Financial Protection Bureau will address this issue with the seriousness it deserves. I kindly request a thorough investigation and prompt resolution so that I can regain access to my funds. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution. 

Sincerely,

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 2025-02-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ProCollect, Inc.
State: AR

Complaint narrative:
I disputed this debt collection due to inaccurate information on my account. Experts failed to investigate my claim. Therefore XXXX filing with the CFPB so your company can further investigate this matter a remove it from 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 2025-02-03 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.

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 2025-02-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax reports that my submissions are accurate, without any external evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please correct the credit file as soon as possible. I have called you several times concerning this information. PLEASE REMOVE ALL NAMES and addresses EXCEPT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> XXXX : XXXX I have contacted your company several times to correct.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-03 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-03 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

EXTRA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had several accounts opened in my name. In the end they closed my account for suspicious activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  VIA DEALER Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  VIA DEALER Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.

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 2025-02-03 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: MI

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy STATE OF MI XXXX XXXX XXXX STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/year>

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 2025-02-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( XXXX ). Below are the details of my complaint : XXXX. Background : - I obtained a copy of my credit report from Experian and noticed several inaccuracies. 
- I disputed these inaccuracies with Experian XXXX. Experian 's XXXX : no response. 
the inaccuracies remained on my credit report, and I did not receive a detailed explanation or evidence of a reasonable investigation.FCRA Violations : According to the FCRA, Experian is required to conduct a reasonable investigation of disputes ( XXXX XXXX. XXXX ). 
XXXX - Experian failed to correct the inaccuracies or provide a valid explanation for their decision, indicating a lack of a thorough investigation. 

Impact on Me : XXXX As a result of Experian XXXX failure to comply with the FCRA XXXX my XXXX XXXX has been negatively impacted. 
- This has caused me financial harm, including being denied credit and facing higher interest rates on loans. 

XXXX. Requested XXXX : - I request that Experian conduct a proper and thorough investigation of my dispute. 
- I also request that the inaccuracies be corrected promptly and that I be provided with a detailed report of the investigation. 
- Additionally, I seek compensation for any financial harm caused by Experian 's non-compliance with 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 explanation
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XXXX  Account denied no ownership XXXXXXXX XXXX XXXXXXXX XXXX XXXX  credit card Fraud activity no responsible XXXX XXXX XXXX XXXX No ownership XXXXXXXX XXXX XXXX no ownership 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 2025-02-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XXXX  Account denied no ownership XXXXXXXX XXXX XXXXXXXX XXXX XXXX  credit card Fraud activity no responsible XXXX XXXX XXXX XXXX No ownership XXXXXXXX XXXX XXXX no ownership Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: OR

Complaint narrative:
I'm using credit karma trying to get my credit score leveled out so I can take care of some business I need to attend to they have falsely put a {$720.00} debt that doesn't exist I don't even know what company they're talking about and I can't get them to respond and get that off there so I can proceed with my business

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 2025-02-03 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: KY

Complaint narrative:
YOUR COMPNAY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURCIES IN THE PAYMENET HISTORY BETWEEN EXPERIAN, TRANSUNION, AND EQUIFAX. THIS IS A VIOLATION OF THE FCRA. THESE ACCOUNTS MUST BE DELETED IMMEDIAYELY. ( XXXX XXXX ) ( XXXX  ) ( XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: RI

Complaint narrative:
I am currently in the process of repairing my credit, and in order to protect my personal and financial information, I would greatly appreciate it if you could place a freeze on my credit report until further notice. As I work with a credit repair service, freezing my credit report will help prevent any unauthorized access and ensure that no new credit inquiries or accounts are opened during this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: KS

Complaint narrative:
haveing to get a replacement card i then called the corisponding number to activate it. later tried to check ballance and was told in text that i had invalid information and to call again consumer service and was transfered to a number towitch i got no responce all the numbers for XXXX XXXX  were used with no answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ca XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Account Information Dear Ally Financial, I am writing to request specific information regarding my auto loan account. Please provide me with the following details : 1. The date of first delinquency on the account 2. The date of the last payment made on the account 3. The date the account was officially charged off I would appreciate it if you could provide this information in writing at your earliest convenience. If any additional information is needed from my end to process this request, please let me know. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation