vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
For the record... 
I Am XXXX XXXX : XXXX XXXX agent on behalf of the estate that this debt is being reported to I XXXX shall not be with LEGAL NAME I have appointed the IRS as trustee and fiduciary of the Estate/Account/Principal XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and instructed that this debt be discharge Pursuant HJR 192 of 1933

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
For the record... 
I Am XXXX XXXX : XXXX XXXX agent on behalf of the estate that this debt is being reported to I XXXX shall not be with LEGAL NAME I have appointed the IRS as trustee and fiduciary of the Estate/Account/Principal XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and instructed that this debt be discharge Pursuant HJR 192 of 1933

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 2025-01-08 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened this business account with citi Bank, business name : XXXX XXXX, I am the owner of the business. account number : XXXX, due to the high minimum balance, {$5000.00} to avoid the service charge, I have decided to close the account, when I called in to close the account, I was told that I still have {$500.00} in the account, and unable to close, so I withdrawn the balance and requested to close the account again, this time, they told me since I withdrawn the money and has no balance, the account is locked, the citi bank representative said the he could not close the account since it was locked. I asked what to do, all I want is close the account. He told me if I don't pay services charge, the account will be automatically closed after 30 days. However, after 60 days now, Citi bank still charging me every month for services charge and do not want to close my account. 
as a consumer, I have the right to close my bank account but Citi bank refused to do so and just want to continue to charge me for services charge for an empty 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 2025-01-08 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2025-01-08 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2025-01-08 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate entries on my credit report. Below, I outline the specific accounts that require investigation and correction : XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) This account lists a balance of {$57000.00} with a Collection/Charge-off status. 
Charge-offs : Per 15 U.S. Code 1601, all disclosures under the Truth in Lending Act must be provided, which I did not receive. 
Additionally, the payment history reflects inaccurate entries that do not align with my records. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) The reported balance is {$50000.00} with a derogatory Collection/Charge-off status. 
Disputes : According to 15 U.S. Code 1666 ( b ), billing errors or disputes must be investigated and resolved accurately. This has not been done for this account. 
I contest the legitimacy of the reported late payments and the lack of documentation substantiating this debt. 

XXXX. Account : XXXX XXXX ( Account # XXXX ) This credit card account lists a balance of {$7900.00} and is marked as Collection/Charge-off. 
Collections : Per 15 U.S. Code 1692 ( c ), I did not provide consent for a debt collector to contact me regarding this account. 
The comments state the account was closed due to inactivity, yet derogatory marks remain unjustifiably. 

XXXX. Account : XXXX XXXX  ( Account # XXXX ) This account shows a balance of {$8400.00} with a derogatory status and Charge-off remark. 
Charge-offs : As per 15 U.S. Code 1601, the creditor failed to provide full disclosures required under the Truth in Lending Act. 
The payment history contains inaccuracies that misrepresent my payment behavior. 

Requested Action : I request the following actions to rectify these issues : 1. Verify all disputed entries and provide documentation supporting their accuracy.

2. Remove any unverifiable or inaccurate information from my credit report in accordance with 15 U.S. Code 1681i.

3. Provide a detailed response within 30 days of receipt of this letter. 

I have attached copies of my credit report with the disputed entries highlighted, along with any relevant documentation to support my claims. If these inaccuracies are not addressed, I will be forced to escalate the matter under consumer protection laws. 

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

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate entries on my credit report. Below, I outline the specific accounts that require investigation and correction : 1. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) This account lists a balance of {$57000.00} with a Collection/Charge-off status. 
Charge-offs : Per 15 U.S. Code 1601, all disclosures under the Truth in Lending Act must be provided, which I did not receive. 
Additionally, the payment history reflects inaccurate entries that do not align with my records. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) The reported balance is {$50000.00} with a derogatory Collection/Charge-off status. 
Disputes : According to 15 U.S. Code 1666 ( b ), billing errors or disputes must be investigated and resolved accurately. This has not been done for this account. 
I contest the legitimacy of the reported late payments and the lack of documentation substantiating this debt. 

XXXX. Account : XXXX XXXX ( Account # XXXX ) This credit card account lists a balance of {$7900.00} and is marked as Collection/Charge-off. 
Collections : Per 15 U.S. Code 1692 ( c ), I did not provide consent for a debt collector to contact me regarding this account. 
The comments state the account was closed due to inactivity, yet derogatory marks remain unjustifiably. 

XXXX. Account : XXXX XXXX  ( Account # XXXX ) This account shows a balance of {$8400.00} with a derogatory status and Charge-off remark. 
Charge-offs : As per 15 U.S. Code 1601, the creditor failed to provide full disclosures required under the Truth in Lending Act. 
The payment history contains inaccuracies that misrepresent my payment behavior. 

Requested Action : I request the following actions to rectify these issues : 1. Verify all disputed entries and provide documentation supporting their accuracy.

2. Remove any unverifiable or inaccurate information from my credit report in accordance with 15 U.S. Code 1681i. 
3. Provide a detailed response within 30 days of receipt of this letter. 

I have attached copies of my credit report with the disputed entries highlighted, along with any relevant documentation to support my claims. If these inaccuracies are not addressed, I will be forced to escalate the matter under consumer protection laws. 

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

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 2025-01-08 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: DE

Complaint narrative:
I am a victim of identity theft. I contacted Experian and submitted the proper documentation ( drivers license, social security card, FTC report with my accurate name ) required to have the accounts removed that are not in my name. The accounts and inaccurate name ( XXXX XXXX, XXXX XXXX ) were removed and reinserted without proper investigation or without proper notice. The FCRA states that in order for reinsertion to occur, the client must be notified within 5 business days.. I was never given such notification I have reached out to Experian numerous time to inform them that they are reporting several accounts that are not in my name and inaccurate, that have been reinserted without the proper due diligence and either it is impossible to get through to the bureau due to an automated system that doesnt allow for the consumer to speak with a live person or if by some miracle, I am able to get through, Experian refuses to remove the items and as a consolation, they file another dispute and it comes back as verified as mine, despite the account not being in my name. This issue has caused me and my family great hardship and I have been unable to qualify for jobs, receive car loans, receive credit cards or loans. If f I am approved for anything, the high interest rates takes the payment out of my reach. I demand that Experian follows FRCA laws and removes these inaccurate accounts that have been reinserted without proper notification or compliance 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ProCollect, Inc.
State: OK

Complaint narrative:
My name is spelled incorrectly. 
The opening date is incorrect. 
The balance is incorrect. It clearly states < {$5000.00} on the court paperwork. 

Also I paid my rent 3 months ahead. I shouldnt owe them any money when they owed me that money back. A government program named XXXX XXXX  paid my rent for 3 months ahead with a check and they evicted me and didnt give me that money back or put it towards this 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 2025-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is withholding my refund for personal gain in refuseing to put my refund in my account to my available balance. My refund went into the pending state imedeitly days ago. But Citibank bank been holding my refund for days in the amount of {$270.00} and {$68.00} to cause me irreparable harm of not having access to my funds. I would likey funds in my available balance as soon as possible. 

Thank You. 
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 monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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