vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
This company has reported fraudulent accounts and inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such accounts and other documentation so I may review to see if these accounts actually belong to me and they have not. I want all reported accounts to be removed. According to the Fair Credit Reporting act section 605B, it is illegal to Report information on my credit report without my permission. I did not have a contract nor did I authorize this company to obtain my information. My rights were violated under the FDCPA & FRCA. Please remove these accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 2025-01-31 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: FL

Complaint narrative:
I want all negative reports removed from reports. 
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 explanation
Consumer complaint received 2025-01-31 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX. I went to my local XXXX XXXX XXXX in XXXX XXXX, NJ XXXX  XXXX XXXX. As I always do around this time of the month I go to the ATM and pull out cash for my rent. Today was like any other first I start with my XXXX debit card and pull out XXXX. Then I see that the ATM i'm currently using is becoming low on funds. So I move over to the ATM next to it and proceed to put my information in. I go to take out {$270.00}. Everything is going smooth and I can hear the ATM counting my money then all of a sudden it cancels it and on the ATM screen I see " cash dispense error. we are unable to process your transaction at this time. Your transaction has been canceled. '' So I approach the XXXX workers inside and they tell me they can't do anything for me because they don't own the ATM. So I go back to the ATM and look for a number take pictures of the screen and ATM to figure out what is going on. I call PNC bank because this ATM has their name on it so I assume it belongs to them. I call and speak to XXXX different people who tell me they can not help me and that I needed to go through my bank. So I file a dispute with my bank " XXXX XXXX  '' and my claim was denied because it " benefits the customer '' and that they can't see any " credit from the ATM ''. Even though I provided all the proof I had. I am going to file a police report for this as well because it doesn't make sense as to why no one knows where my funds are or how they are unable to help me. The ATM I took a picture of says its the property of " XXXX ''. I even called them and they told me they can't help me either that they only service the ATM. I just would like my money back it's not fair that I have to jump through this many hoops for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed and successfully removed XXXX XXXX XXXX XXXX  accounts from my Equifax credit report. However, Equifax reinserted these accounts without notifying me in writing within five business days, violating FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, Equifax must notify consumers in writing when reinserting deleted accounts and provide verification from the original creditor. I was never notified, and Equifax has failed to provide any proof of verification. 

Desired Outcome : Immediate deletion of both XXXX XXXX XXXX  accounts. 
Written confirmation that these accounts have been removed permanently. 
A full investigation into Equifaxs improper reinsertion practices. 
If Equifax does not comply, I will pursue legal action for their FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
So I mailed in a detailed dispute of things on my credit report, that you are report inaccurately or that are not correct. I get a email today saying my dispute results are complete, and you guys did absolutely nothing. where is the proof and documentation that I requested. and then you send me a empty dispute with out any results or findings. again I am requesting documentation proving that I provided consent for these inquires. if you can not provide such proof, I request that all these inquires be removed 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I am a current banking customer at chime bank ( account ending in XXXX ) which is backed by stride bank ( FDIC cert XXXX ). I am requesting assistance in recovering funds that were defrauded from my account over a two month period where two XXXX checks were spent unauthorized and without my knowledge from my acct while I was incarcerated from XX/XX/XXXX - XX/XX/XXXX ( proof of incarceration attached ). My house was broken into and my wallet, phone and everything I own was taken from my home as well as my vehicle was stolen. I have provided a list of all transactions and created multiple disputes ( dispute # XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Totaling {$4400.00} and change as well as a copy of the police report for case # XXXX ( also attached above ) Where I reported all of these transactions as fraud as well as theft of all of my belongings and my vehicle, which has now been recovered by the sheriffs department with an arrest made of the person caught driving it once the bolo went out As well as the above attached Proof of incarceration which proves that it could not have been me that slid my card XXXX times at local businesses within XXXX while I was incarcerated from XX/XX/XXXX - XXXX as dated in the attached list of transactions, Just like XXXX XXXX XXXX XXXX gentleman who was caught with my truck whom now sits in XXXX XXXX XXXX XXXX XXXX, XXXX  for the theft of my vehicle, which I could not have been driving around due to my incarceration And yet can not get a response as to even why they have closed these disputes three or four times already each individually It is my understanding that whether it be FDIC insured XXXX insured by Visa, and their XXXX liability insurance coverage of any and all fraudulent transactions and theft. That one way, or the other, all of these transactions are covered and are of XXXX liability to myself since I have proven through the proof of incarceration that it could not have been me that made these XXXX transactions Sliding my card at each individual business locally nor any of the other transactions. 

I dont know what else to do other than start here with the inspector generals office and reporting to the FDIC as well as I have also filed a complaint with the BBB. I need whomevers assistance I can get with making stride stand by chimes Advertisement of my money being safe and secure in their establishment against any and all fraud and theft or unauthorized transactions By Assuring me that my money was safe per FDIC insured and backed by visas XXXX liability policy. 

Please review the attached information and reach back out to me if theres any other documentation needed for your assistance with this issue You can also call me at XXXX XXXX XXXX. 

Thanks so much for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. ) Truist Bank sent me a letter dated XX/XX/year>, and quote " Our records still show that there was a lapse in coverage from XX/XX/year> to XX/XX/year>. An insurance charge of {$310.00} will be assessed to your escrow account for the period of lapse. Please provide us with evidence for this lapse period, in order to avoid this charge, or have it reversed from your account. '' 2. ) I contacted my insurance agent from OneGroupFL.com, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The insurance agent responded and quote " The insurance company extended the non-renewal due to XXXX XXXX. I attached the letter to this email for your records. In addition, my agent has uploaded the letter to my coverage info with Truist. '' 3. ) In addition, I explained to Truist Bank, that the XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX extended the grace period for insurance policies affected by XXXX XXXX until XX/XX/year>. Source XXXX XXXX XXXX XXXX 4. ) According to my insurance agent, she contacted my mortgage company and they stated that they could not accept the letter because It was not a declaration page. My agent explained that the extension was due to an emergency order.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Upon reviewing my recent consumer report, I discovered unauthorized bankruptcy entries that directly violate my privacy rights under 15 U.S. Code 1681 a ( 4 ). As a victim of identity theft, the unauthorized disclosure of my personal information and the inclusion of these inaccurate bankruptcies represents a serious breach of consumer protection laws. This violation has exposed me to significant harm and demonstrates a concerning disregard for established privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I processed an order through XXXX, which was later returned with the funds that were sent from my bank through Cash app. XXXX processed the return however cash app held my funds and told me I had to wait 10+ days to get my money back, however I had to speak to a chat bot because there was no one that I could reach unless I did some deep searching and the customer service number that they had they only helped in regards to any problems in regards to connectivity with Cash App nothing in regards to payments. I informed them that XXXX had already placed the refund and released the order, but they stated to me that XXXX was the one holding the money and it was not them. However it was cash app that was holding my money once I informed them that I had already spoken to XXXX. Cash App stated there was nothing they could do and I had to wait. Even though I informed them, the money was for me to feed my family because I do not receive government assistance. They still insisted that I reached back to XXXX which I have pictures and screenshots of the conversations with the chat, and I also have the recordings of me speaking to XXXX and Im stating that they no longer have the order in their system, and that it was cash app holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I have called, emailed and chatted with XXXX  customer service agents multiple times in XXXX  requesting my new maturity date since I have been paying an additional $ XXXX. I have not received any call back or response through email or chat window.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-31 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:
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 explanation
Consumer complaint received 2025-01-31 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: TX

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

Company response to consumer: Closed with non-monetary relief