vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, XXXX, and Transunion. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge XXXX, XXXX, and Transunion to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, Equifax, and XXXX. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge XXXX, Equifax, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I have forwarded multiple correspondence requesting the immediate blocking and deletion of fraudulent accounts. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX  Account Number : XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. I have attached the following documents to substantiate my claim : 1.A copy of my FTC Identity Theft Report ( www.identitytheft.gov ) .2.A copy of my government-issued ID for verification.3.A utility bill or other proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I am a victim of XXXX XXXX.Please block this information from my credit report in four business daysPursuant to section 605c of the Fair Credit Reporting Act. Please send me notifications of the actions taken..I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello and thank you so much for helping me out! I wanted to please reach out because there were a few transactions that US BANK had processed when there was no funds in the account. 

Being at {$0.00}, US Bank approved a handful of transactions that resulted me and getting a total of four ( 4 ) overdraft fees each {$36.00}. 

This caused my checking account to go extremely negative. 

I have attempted to contact and get help multiple times however, the business department is always closed and never able to help support me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX at XXXX call Citi XXXX XXXX ) XXXX, regarding how to solve the problem for linking my external account, the customer representative told me everything all set and wait 24 hours, I can add my external account. for the transaction I requested for {$1500.00} from my XXXX XXXX to Citi, there is no problem. totally I will have {$3000.00} balance in Citi bank. then same day XX/XX/XXXX at XXXX, I received an email Your Citi Online User ID has been blocked for your security. Second day XX/XX/XXXX at XXXX XXXX, I called Citi ( XXXX ) XXXX option # 4 which customer service representative gave to me and told me to call for my issue because they blocked me and can unblock it. I spent 52 minutes with them on the phone, they asked all my personal information and bank accounts information and security code and social security number, then they told me my account will be closed in 60 days. transaction is blocked, access is blocked, decided by top office, they dont have access to help me. they can not transfer my money back to me until wait 60 days the account is closed, then they can mail a check to me. they refused my request to close the account now, they can not transfer my money to me or send me check until they close the account in 60 days. they took my {$3000.00} as XXXX, i filled a complaint to citi ( XXXX ) XXXX at XXXX XXXX  XX/XX/XXXX, when I called back at XXXX, the department said they havent summit my case, it will take 24 days for them to work on it. I am XXXX  woman with a XXXX XXXX XXXX to feed, I need my money to raise my kids. Please help me to get my money back ( {$3000.00} ). 
My citi debit card XXXX XXXX XXXX XXXX. My phone number is XXXX, Sincerely, 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
Consumer complaint received 2025-01-10 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:
I am reaching out to raise significant concerns about several discrepancies in my credit report. Upon review, I identified multiple inaccuracies, including erroneous account entries, billing inconsistencies, unauthorized inquiries, and accounts that are not mine. These issues are compromising my financial security, and I urgently request your assistance in resolving them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am reaching out to raise significant concerns about several discrepancies in my credit report. Upon review, I identified multiple inaccuracies, including erroneous account entries, billing inconsistencies, unauthorized inquiries, and accounts that are not mine. These issues are compromising my financial security, and I urgently request your assistance in resolving them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Ive been disputing inaccurate information such as inaccurate names, date of birth, addresses and fraudulent accounts as to my information has been exposed to several data breaches. Ive sent in certified copies asking credit companies to investigate and delete the inaccurate information only for them to say its been verified in a reinvestigation. All the reinvestigation are being from XXXX  saying thats the outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

XXXX DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies. 
Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts. 
Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary. 

Attachments : FTC Affidavit.

This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

Sincerely, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

Resolution DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies.

Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts.

Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary.

Attachments : FTC Affidavit.

This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
Subject : Request for Review and Action Identity Theft Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the actions taken by Experian regarding my identity theft case. I have requested that certain fraudulent items on my credit report be blocked as a result of identity theft, as allowed under the Fair Credit Reporting Act ( FCRA ). However, Experian has declined my request and is demanding additional documentation that I have already provided. 

The disputed items were placed on my credit report due to identity theft, and the documents provided were in line with the FCRA requirements for blocking such items. However, Experian has failed to block these items and instead sent me the following statements : Failure to Block Fraudulent Items : Experian stated that the identity theft report was not received by a law enforcement agency. I find this perplexing, as I have already provided a legitimate identity theft report filed with a federal, state, or local law enforcement agency, as required by the FCRA. They have failed to process the provided information properly and have made an erroneous claim about the validity of my identity theft report. 

Request for Further Documentation : Experian is now requesting additional validation of the report that was already filed with law enforcement, including a confirmation email, signed letter, or document from law enforcement personnel. I have already submitted all required documents, including a copy of my identification, a current utility bill, and a report with full details of the identity theft. 

Inconsistent Reporting Across Bureaus : I also noticed that the information provided by the credit bureaus is inconsistent. For example, the disputed items were correctly flagged by XXXX and XXXX, but Experian has failed to take the same action. This discrepancy raises concerns of potential identity theft or a procedural issue that requires immediate correction.

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