vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

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 2025-02-26 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: CA

Complaint narrative:
am listing XXXX Fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.

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 2025-02-26 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: GA

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AR

Complaint narrative:
Credit Karma has closed my XXXX account due to it being overdrawn. I had money in my savings to cover this and I received no notice of it being closed. My tax return was sent to that account by XXXX XXXX Credit karma then put the money in my XXXX account that is still open. However, I can not withdraw the money nor update the linked external account. The account that is linked is a bank account that is closed and I no longer have access to. They are saying a third bank has my account locked which makes no sense considering they are unrelated. I called the third bank and they said they didn't know what credit karma is talking about. Now I am just trying to get my money via check to my updated address or have them update my external account for me. They keep hanging up the live chats on me and no one is responding to my emails. They first emailed me saying it is being escalated and to reply to this email if I have any more questions and so I did. Only to get a response saying, " please contact with the email that is associated with your account '', yet I was replying to an email they sent me and they got my email from my account, so that makes no sense and they have ghosted me on all forms of contact for almost a week now. We are getting our utilities shut off and maybe evicted due to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I have filed several disputes about this account payment history reported along with requesting the data furnishes name person that validated this account and their phone number, I ALSO REQUESTED THE DOCUMENT THAT THE CREDIT BUREAU SENT IN AMD THE PERSON WHO SENT IT. I also requested the actual documents sent to the bureaus to validate these late payments, I have never received these documents that under the law I have a right to In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Account, XXXX XXXX has violated my rights. 
1 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) b ).

And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-02-26 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: LA

Complaint narrative:
I have filed several disputes about this account payment history reported along with requesting the data furnishes name person that validated this account and their phone number, I ALSO REQUESTED THE DOCUMENT THAT THE CREDIT BUREAU SENT IN AMD THE PERSON WHO SENT IT. I also requested the actual documents sent to the bureaus to validate these late payments, I have never received these documents that under the law I have a right to In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Account, XXXX XXXX has violated my rights. 
1 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) b ).

And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : A copy of my government-issued ID My EWS report A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution.

Failure to comply may result in legal action. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The medical account listed below is in complete violations of the NO SUPRISE ACT, Delete the account listed below from y credit report IMMEDIATELY. I have NOT received any notification via mail or email pertaining to this medical debt as required and it magically appeared on my credit report. This is a DIRECT violation of the NO SUPRISE ACT. 

Account name XXXX XXXX XXXX I Account number XXXX Recent balance {$1700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1700.00} past due as of XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX  Type Collection Terms XXXX  Months On record until XX/XX/XXXX Credit limit or original amount {$1700.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Account history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} The original amount of this account was {$1700.00}

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 2025-02-26 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: TX

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

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 2025-02-26 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Dispute of Debt and Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute the validity of the debts associated with the above-referenced accounts, which your companies have reported and/or attempted to collect. I believe your actions constitute negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) 1681o, which establishes civil liability for failing to comply with its provisions.

Basis for Dispute and Noncompliance Allegations : 1. Failure to Verify Debt I previously requested proper validation of these debts, yet your companies have failed to provide sufficient documentation proving their legitimacy.

2. Inaccurate or Misleading Reporting Despite lacking proper validation, your companies have continued reporting these accounts to credit bureaus, causing harm to my credit profile.

3. Failure to Conduct a Reasonable Investigation Upon disputing these debts, I
expected a proper investigation, as required under the FCRA, but no adequate response or corrective action has been taken.

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA makes your companies liable for any damages I have incurred due to these violations, including any legal fees required to rectify this matter. 

Requested Actions : Provide full validation of these debts, including signed agreements, payment histories, and proof of your legal right to collect. 
Cease all collection activities until verification is completed. 
Correct or remove any inaccurate, unverified, or outdated information from my credit reports. 

Failure to comply with these requests may leave me with no choice but to pursue legal remedies to protect my rights under federal law.

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 2025-02-26 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: TX

Complaint narrative:
Despite multiple attempts to resolve the presence of fraudulent inquiries on my consumer report, these unauthorized entries continue to cause severe mental and financial distress. As a documented victim of identity theft who has reported these violations to the Federal Trade Commission, I have no connection to these entries, yet their presence has critically impacted my ability to achieve essential life goals like purchasing a home and providing for my family 's needs. The documentation submitted to the FTC clearly outlines the nature and scope of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ye
ars. 5 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 inaccurate.

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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had sent money to a person through chime that claimed he was the owner of a house for rent just to find out that he in fact was not the owner after me an my wife signed a fake lease so I went an filed a police report and the officer did an investigation and found that it was in fact fraudulent/scam and when I contacted chime to tell them what happened to try an get my money back they stated that they would do an investigation and send me a email for me to send them the police reports from the officers investigation but they never responded with a email for me to send the report in an said that there was no fraudulent activity or scam an that I wouldnt get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
L.L.Bean Mastercard Services through Citibank. A fraudulent charge was made on XX/XX/XXXX in the amount of {$980.00} for XXXX XXXX XXXX online via XXXX and a delivery made on XX/XX/XXXX to an address XXXX XXXX, XXXX XXXX, NY unknown to me, using an email and phone number which are not mine. I opened a dispute with L.L. Bean Mastercard Services on XX/XX/XXXX and was notified on XX/XX/XXXX that I was still responsible for this charge. I re-opened the dispute on XX/XX/XXXX due to being out of town when notification received. I received notice on XX/XX/XXXX that credit card company had concluded its investigation, concluded that I am responsible for the charges, and re-billed my account. I paid the bill online on XX/XX/XXXX to prevent collection action but am filing complaints with XXXX Attorney General and CFPB.

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 2025-02-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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