vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: MD

Complaint narrative:
I'm writing this complaint to dispute the inaccurate reporting of multiple fraudulent accounts on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 USC 1681c-2 ). I have previously submitted my identity theft report to the Federal Trade Commission ( FTC ), which has been provided to you as required by law, but these accounts and personal inaccuracies remain unresolved.

FCRA Section 605B specifically mandates that credit reporting agencies block information that is a result of identity theft upon receipt of an identity theft report. Once an FTC identity theft report has been submitted, you are required to block this information within four business days. The information I am disputing should have been immediately blocked as per this law. The following fraudulent accounts are still listed on my credit report despite my previous attempts to have them removed : XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX Bank {$910.00} XXXX XXXX XXXX XXXX {$7300.00} XXXXXXXX XXXX  {$8300.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX {$360.00} Additionally, my credit report contains several incorrect addresses and variations of my name. My correct name is XXXX XXXX XXXX. It is critical that all incorrect personal information be corrected immediately. 

These inaccuracies are in violation of my consumer rights under FCRA Section 605B, and I am demanding that these fraudulent accounts and inquiries be removed from my credit report within four days of receiving this letter. Failure to comply with this request will leave me with no option but to pursue legal action, as continued reporting of this inaccurate and fraudulent information is a direct violation of federal law.

I have attached a copy of my credit report for your reference, with the fraudulent accounts and personal information highlighted.

Provide all of the details in writing that these accounts and inaccuracies have been permanently removed from my credit file as required by law.

My complaint has detailed explanation of the relevant law and emphasizes the urgency of the situation. It also highlights the necessary compliance with FCRA rules

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 2024-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: TN

Complaint narrative:
Says I've reached daily limit. I've yet to use card today to get cash. I can use the card but can't receive cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
pay pal put a block on my checking account due to a dispute filed over a year ago I was never notified of this block I would make payments all payments were reversed paypal would put the same account number in after speaking with them about situation. samething happened reversed I opened another checking accout solving my problem tried to make my payment they closed my account

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 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Summary : A TD bank systems error occurred when opening accounts online, but both accounts were created without my knowledge. I have no way to get the account information to continue and was suggested to go to a bank branch. 

On XX/XX/XXXX, I applied online for a TD Complete Checking Account and a TD Signature Savings Account to take advantage of their {$500.00} combined promotion. 

There was a systems error on TDs side ( see screenshot attached, which said my account could not be opened. ) I wasnt able to apply again since TD assumes I am already a TD customer and have the account information necessary to obtain my login credentials. I did not receive an email and I do not have any of the account information. 

I sent an email to XXXX but it appears that is the XXXX entity and they could not help or provide an email for the XXXX entity. 

On XX/XX/XXXX, I called TD and they confirmed both accounts were opened that the next step is to retrieve my login credentials. Retrieving them is impossible to do since I have none of my account information necessary. This was relayed and I was told my only option was to try at a bank branch in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received a collection notice from SYSTEMS XXXX in regards to doing business with XXXX XXXX in the amount of $ {$210.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

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 2024-09-22 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Pentagon Federal Credit union is reporting a late payment for XX/XX/2023. I have not carried a balance on this checking line of credit for a long time. I received some information with the wrong last name and then this late payment popped up. I have asked for proof of this late payment and for them to remove it and clear up whatever happened. I have attached paperwork that was sent to me as well with the wrong name. I suspect this has something to do with the error. This is incorrectly affecting my credit standing. Please clear up this error 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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company is charging me XXXX $ it also affected my credit I need this removed. They have to verify or remove the charges if they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion,. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate XXXX Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed XXXX Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. XXXX of XXXX : There is a lack of clarity on the timeline of the investigation, including XXXX dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA 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 2024-09-22 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: OH

Complaint narrative:
Ive 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 2024-09-22 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: OH

Complaint narrative:
Ive 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX I am writing to formally dispute the reinsertion of information that was previously deleted from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

According to the FCRA, any information that has been deleted from a consumers file may not be reinserted without certification from the furnisher that the information is complete and accurate. I request that you provide me with this certification regarding the reinserted information. 

Furthermore, I have not received any written notice of this reinsertion within the required timeframe of 5 business days. Please provide me with : 1. A statement that the disputed information has been reinserted. 

2. The business name and address of any furnisher of information contacted, along with their telephone number. 

3. A notice informing me of my right to add a statement to my file disputing the accuracy or completeness of the disputed information. 


In light of the above, I request that the reinserted information be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY

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 2024-09-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I booked a hotel using the capital one XXXX portal and with my capital one XXXX XXXX  card. After the wrong date were booked by them I tried to change the date to the right one. I called up capital one XXXX, the hotel, and the hotel 's management company. Capital one XXXX  said they can't do anything and to call the hotel, but the hotel and management company both said that because capital one handled the payment and booked my trip ( the wrong dates ) they would have to remedy the issue. Upon calling them, they say there is nothing they can do. 

One thing of note is the hotel and the hotel management offered to change the date no problem, but capital one refused to give me the confirmation code from the hotel and would only give me the capital one confirmation code. This blocks the hotel from being able to accommodate me, which they were glad to do. 

This is in bad faith given I used their travel card and their travel portal and they refuse to make any accommodation for changing a date well in advance of a trip. 

Booking was {$360.00} for XXXX night at XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Saturday, XX/XX/year>2024 at XXXX XXXX 
Check-out : Sunday, XX/XX/year>2024 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal complaint regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft, and my credit report contains numerous inaccuracies that should have been removed after proper disputes were submitted to the credit reporting agencies. The following information must be addressed and removed immediately in compliance with the law : Under FCRA 605 ( a ), credit reporting agencies are obligated to ensure that only accurate and relevant information is reported. Reporting addresses that are not mine constitutes a direct violation of this provision.These errors on my credit report are the result of identity theft, and under FCRA 605B, I have the right to block fraudulent information from appearing on my credit report. I demand immediate compliance with this section, and that all incorrect information be removed without delay.Additionally, if the credit reporting agencies fail to act within the 30-day investigation period as mandated by FCRA 611, I will be left with no choice but to escalate this matter, including filing a lawsuit for damages under FCRA 616 and FCRA 617, which hold agencies liable for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: Westlake Services, LLC
State: OK

Complaint narrative:
I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX westlake service llc 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

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