vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I closed my CD within the window, but citibank did not send the check. I spent several hours working through their convoluted customer service process being disconnected multiple times by employees who appear to be incentivized to keep you from closing your account. There is no process to get a call back, or to ensure they can not continue to disconnect you, even at the supervisor level there is no way to ensure you issue gets addressed. 

After hours on the phone I am still unsure if they are going to send my money to 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 monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
ok i report this XXXX negative items and request to the company the accuracy of this account that are on my credit report and i didnt recive any information but still reporting me i also dispute some accuracy info to the credit buros that are not right regarding my address and correct name that are under those item this are the account that i dont reconized / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was a victim of identity theft and funds were stolen from my Bank of America ( BoA ) Checking account. I was able to catch this as it was happening and notify BoA before the transactions processed that these were fraudulent and have provided them with the open police report case number. They did open a claim but allowed the transactions to still process and have since denied my claim without thorough/any investigation.

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 2025-03-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So XXXX XXXX XXXX called me today for the first time since owning my debt in XXXX. They have told me they sent a validation letter out in XXXX and I NEVER received it. When I first answered the phone THE FIRST THING out of there mouth was you need to pay today to avoid us contacting an attorney in your area to sue. I advised them that I never had any communication with them prior to today and that I feel that it seems to be pretty unethical and intimidating practices that they are immediately wanting to take me to court. I offered to pay an amount and they said that they needed first 20 % of the debt to avoid me being sued after asking what I could afford which was XXXX dollars a month. When I asked for the XXXX she said she needed a XXXX payment to avoid court due to failure to pay. I asked how could it be failure to pay when Im trying to pay you something now to show you I will pay the debt. She said she was well within her guidelines to threaten and ask for that amount.

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 2025-03-11 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: MD

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company name : DEPT OF EDUCATION/XXXX - Account # : XXXX - {$1100.00} Company name : DEPT OF EDUCATIONXXXX  - Account # : XXXX - {$2300.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$7200.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$3600.00} Company name : DEPT OF EDUCATION/XXXX - Account # : XXXX - {$4200.00} Company name : DEPT OF EDUCATION/XXXX XXXX  Account # : XXXX - {$5800.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$5800.00}

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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to bring to your attention that I am cognizant of the unlawful practices you have been employing, wherein you consistently respond to consumer disputes and challenges with generic form letters, regardless of the specific details provided by the individuals. It is imperative to note that such actions are in clear violation of 15 U.S. Code 5 1681i, which mandates that each dispute and challenge must be individually addressed based on its own merits. The letters I have submitted were generated utilizing software that is readily accessible to all. In the event that you fail to address my letters accordingly, it would signify a violation of my consumer rights. I perceive this disregard as a deliberate transgression against my rights, and thus, I intend to seek legal counsel to initiate appropriate legal measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Hi my name is XXXX i received a copy of my credit report and notice fraudulent activity. I did not authorize these account please move these account they are hurting my chances to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX concerning their handling of a written-off debt and their failure to provide the proper tax documentation for the amount in question. 

XXXX XXXX has recently reported a written-off debt, which I understand may be eligible for a tax break. However, despite the account being marked as " charged off '' and/or " settled, '' I have not been provided with a XXXX form, as required by the IRS. This documentation is essential for my tax filings and to ensure that the reporting is accurate. 

In addition, I am concerned that XXXXXXXX XXXX XXXX reporting may be inaccurate or incomplete on my credit report. If the proper tax documentation ( XXXX ) and verification can not be provided to me within a reasonable time frame, I expect the written-off debt to be deleted immediately from my credit report. 

I request that XXXX XXXX provide the following as soon as possible : A XXXX form for the discharged debt, detailing the amount written off.

Verification of the account 's status, including documentation of the charge-off and any subsequent actions. 
A thorough review and correction of any errors related to this account on my credit report. 
If XXXX XXXX is unable to provide these documents or correct any discrepancies, I will be forced to pursue legal action, including claiming statutory damages for inaccurate reporting and failure to provide required tax documentation. I ask that this matter be resolved promptly to avoid further escalation. 

Please investigate this matter and provide me with an update as soon as possible. I trust that the CFPB will assist in ensuring that my rights are protected in this case. 

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

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 2025-03-11 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$780.00} Charged off XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$780.00} Charged off XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2025-03-11 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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: WA

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 2025-03-11 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: WA

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My identity has been stolen to open multiple fraudulent banking checking accounts using my personal information including my social security number and birthdate. The banks where my identity has been stolen is Bank Of America And XXXX XXXX  I would like to file a legal dispute against the banking system for negligence and failure to properly authenticate my identity.

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