vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX : XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX : On Behalf Of : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX : On Behalf Of : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/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 2025-02-28 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: GA

Complaint narrative:
I was served to go to the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, the case was dismissed due to identity theft and someone using my personal information that wasn't me. 


XXXX XXXX XXXX was the XXXX XXXX was the 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 2025-02-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.May XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMay XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This company is reporting a account on my credit report without my consent, I know nothing about this debt. I sent letters for validation and haven't received anything. I need valid documentation with my signature on a contract stating I'm aware of this debt and I owe this debt. Haven't been provided with anything. My address is on the letters I sent. I haven't received anything. It's been XXXX  days. Please delete from credit report thank you. Your in violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited XXXX {$1000.00} money orders earlier today. A few of them are older than 6 months which caused Wells Fargo to put a hold on them to verify the funds ( I'm familiar with this process ). However Wells Fargo took {$1000.00} out of my account ( making it negative ) until they clear the hold XXXX of the money orders. I dont understand how this is legal?

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Request for Debt Validation to Help Dear Sir/Madam, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : 1. The full amount of the debt, including any interest, fees, or charges.

2. The name of the original creditor and their contact information.

3. A copy of the original signed contract or agreement that created this debt.

4. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account.

5. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. 

In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. 

Please send the requested documentation within 30 days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My phone was stolen unlocked. They accessed my Chase Bank account unlocked and made multiple withdrawals from my checking account. Despite providing a police report to Chase showing my phone was stolen they determined I was responsible for the charges. I was in the bank the next day as soon as they opened to notify them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: MA

Complaint narrative:
I am a filing a complaint for XXXX XXXX XXXX  XXXX and Halsted Financial because Im getting harassed for a debt thats not even mine. I had previously disputed this account with XXXX XXXX XXXX  XXXX and the account was removed from my credit report. Now I keep getting text messages from XXXX saying that XXXX XXXX XXXX is threatening to sue me through Halsted Financial. My consumer protection rights are being violated both XXXX XXXX XXXX  XXXX and Halsted Financial. I have previously complained to XXXX XXXX XXXX  about harassing me over this debt which is illegal for them to do. I have copied and paste the text messages into a PDF document and attached it this Consumer Protection Complaint. Im hoping that you can help stop this harassment and collection of debt thats not even owed. The account was already previously removed from my XXXX, XXXX and XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX  - Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 5 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-02-28 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.
State: FL

Complaint narrative:
I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me 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 Amount : {$630.00} Furthermore, I request the removal of the following unauthorized inquiry made on my credit report : SYNCB - Inquiry Date : XX/XX/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 2025-02-28 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-28 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: IL

Complaint narrative:
I am formally disputing the fraudulent and inaccurate accounts that continue to appear on my credit report. I have repeatedly requested that your agency conduct a fair and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), yet you have deliberately failed to do so. Your refusal to remove these fraudulent accounts, despite clear evidence of inaccuracies, is not only a violation of my consumer rights but also a knowing and willful act of fraud on your part. 

I have already taken the necessary steps to report these fraudulent accounts to the **Federal Trade Commission ( FTC ) ** and have filed an official complaint documenting your continued failure to investigate and correct these errors. Your agencys refusal to remove these fraudulent accounts while simultaneously profiting from data furnishers constitutes a blatant abuse of power and a direct violation of federal law. 

I recently conducted a thorough review of my consumer credit report and discovered multiple unauthorized accounts that do not belong to me. These accounts were furnished by companies and credit reporting agencies without my consent, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and data furnishers are required to ensure the accuracy and integrity of the information they report. However, the presence of these unauthorized accounts on my report demonstrates a failure to comply with these legal obligations. Specifically : 1. **FCRA Violation Unauthorized Furnishing of Information ( 1681b ) ** - The companies and credit bureaus have reported and shared my consumer information without my explicit consent or permissible purpose.

2. **FCRA Violation Failure to Maintain Accuracy ( 1681e ( b ) ) ** - The credit reporting agencies failed to follow reasonable procedures to ensure maximum possible accuracy, as they have included accounts that are not mine.

3. **FCRA Violation Failure to Investigate Disputed Information ( 1681i ) ** - If these errors are not promptly investigated and corrected, it will constitute a violation of my rights under this provision.

4. **FDCPA Violation Attempting to Collect a Debt Not Owed ( 1692e ) ** - If any of these unauthorized accounts are being pursued for collection, debt collectors may be violating laws against using false, deceptive, or misleading representations in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My credit card company ( PNC bank ) changed and lowered my credit limit without notice and then refused to give me any reason for the change. I appealed the decision but was never able to speak to anyone who could do anything and was told that in 48 hours they would get back to me with the decision on my appeal. 

It took almost 5 days for them to then tell me the change was not going to be reversed. 

They also didnt give me a clear reason for the change just a list of potential generic reasons it could be. 

Ive never missed a payment and usually paid my full balance off every month. 

They said they sent me a letter but it never came. 

My credit limit was reduced from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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.
State: GA

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-28 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: NC

Complaint narrative:
XX/XX/XXXX of XXXX I was made aware of a collection on my credit report in the amount of {$140.00}. The collection agency listed on the report is I C Systems, so I reached out to them to find out what this debt was for. The person I spoke with asked me to verify my XXXX & my XXXX. As well as for my first and last name to verify my identity. So when she asked me my name I had spelled my last name out, which at the time was XXXX. Once she seen all my other personal information matched for the most part, she informed me that not only was my last name on the account incorrect. It was a last name I've never had! But she still told me that the original debt was from XXXX XXXX, and that because my last name was incorrect ; she couldn't move forward with providing me any other information. As well as she couldn't even let me resolve the balance due to the incorrect last name on the account. I did dispute this collection through my XXXX XXXX app & the only thing I know about the result of the dispute is what it says on my credit report. Which is " Dispute resolved ; reported by grantor. ''

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