vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
I am writing to formally dispute the fraudulent account reported on my credit file, which has been inaccurately investigated and verified. This letter serves as a demand for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a proper and reasonable reinvestigation of disputed information.

Upon my previous dispute, you claimed that this account was verified as accurate. However, under 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation into disputed accounts, and credit reporting agencies must ensure the accuracy of reported information. I hereby request that you provide the following within the legally mandated timeframe : A detailed explanation of the methods used to verify this account and the parties contacted during the verification process.

All records and documents used to verify the legitimacy of this account.

Proof of my consent or authorization for the alleged account, including any signed agreements or identifying details.

The name, address, and contact details of the entity that reported this fraudulent account.

Failure to properly investigate and correct this fraudulent reporting constitutes a violation of my rights under the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to pursue legal action for damages resulting from willful or negligent noncompliance, including actual damages, statutory damages, punitive damages, and attorney fees.

If I do not receive a satisfactory response within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will have no choice but to escalate this matter through legal channels, including filing a lawsuit and reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This letter serves as an official notice of intent to sue should you fail to comply with your legal obligations. I expect a prompt response, including the requested verification details and a resolution to this matter, to avoid further legal actions.

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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-04 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: FL

Complaint narrative:
I looked at my credit report, and I noticed some inaccuracies. 
I sent a letter to XXXX asking them to investigate these accounts 1 ) XXXX XXXX XXXX  XXXX Account number XXXX ... 
Address identification numberXXXX 2 ) XXXX XXXX XXXX Address identification- XXXX 3 ) XXXX XXXX Address identification-XXXX they sent me their investigation and said those accounts are veritied and accurate. And accordine to 15 USe 1681i ( 5 ) | see it states after any reinvestigation 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 credit bureaus did not reinvestigate and violated my right.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: The Outsource Group, Inc
State: NV

Complaint narrative:
I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification.

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor.

Statute of limitations and last payment missed on the debt. 
An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX  bearing my signature.

Provide insurance claims of the debt.

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.

In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: VA

Complaint narrative:
As of XX/XX/XXXX still have an issues with department of education and mohela been dealing with them since XX/XX/XXXX got notification today that my fraud application had been approved in my loans are zeroed out they need to correct both of my credit reports one says XXXX another one says XXXX I know they need to take mahela off and department education off my credit reports and cfpb is not really helping they just give me the feedback and forward and that's it then they step out and close the case and I think that's a XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MN

Complaint narrative:
In my checking account with US Bank I sent my rent check for {$820.00} to my landlord for my XX/XX/2025 rent. US Bank only paid {$530.00} to my landlord instead of the {$820.00} I made the check out for. The bank 's excuse was someone thought the check said {$820.00} so only paid the aforementioned amount when actuality the hand written amount beneath the digital amount on the check stated XXXX XXXX twenty-five and XXXX. I phoned them on XX/XX/2025, and questioned why they only paid part of the amount and the above was their replay and stated they would pay the remaining amount of {$290.00} and they responded they will be sending the rest of the amount. To date, my landlord has not received this yet. I am afraid I can not come up with this amount as I am XXXX XXXX XXXX and live on social security retirement. I do not get paid until the 3rd week of this month XXXX and am not sure I would be able to come up with this amount if the bank does not make good on their promise to submit the balance.

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 2025-03-04 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: MN

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

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 2025-03-04 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This account has had over XXXX taken in overdraft fees monthly after I asked numerous times for support to prevent from closing my account every 2 weeks its overdrawn for XXXX or more dollars taking my entire direct deposit the bank said i cant close the account unless there is a XXXX balance as soon as it becomes a XXXX balance and I call there are new pending postings to this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Citibank regarding the handling of my closed credit card accounts and their continued billing practices, which have caused financial hardship and distress. 

I previously held two accounts with XXXX XXXX XXXX ThankYou Preferred ( ending in XXXX ) XXXX  XXXX Preferred ( ending in XXXX ) Both accounts were closed due to late payments. However, I have been making monthly payments, including late fees, yet Citibank has denied me access to my credit usage. This has resulted in a situation where I am unable to track payments, leading to missed payments and further interest charges. 

Since my accounts are closed, I am unable to access the Citi app or receive account alerts via email. 
This lack of communication has led to me missing payments, incurring additional late fees, and incurring interest charges. 

I previously filed a complaint about this issue, but XXXX response was inadequate. They offered me a mere {$40.00} credit, which does not address the ongoing billing issues. 
Poor Customer Service and Denial of Account Settlement : I have attempted to call Citibank to settle my remaining balance and close the account permanently. However, their customer service representatives were extremely rude and unwilling to provide a resolution. 

I was simply trying to settle my debt, yet I was met with unprofessional treatment. 
Request for Resolution : I have already paid off one of my accounts, and I am seeking to settle the balance on the second 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 2025-03-04 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: NM

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 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 2025-03-04 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: NM

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 explanation
Consumer complaint received 2025-03-04 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-04 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials andXX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-04 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-04 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: NM

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX - XXXX/XXXX/2024 XXXX XXXX  XXXX - XXXX/XXXX/2024 XXXX XXXX  - XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX  - XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX - XXXX/XXXX/2024

Company response to consumer: Closed with explanation