vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX is inaccurately reporting. You say that you have investigated these accounts and you claim all info is accurate therefore you are illegally defaming my financial character. This account has no 30 day 60 day 90 day 120 day 180 day late. 
This account illegally has me charged off every month which is illegal reaging XXXX XXXX XXXXXXXX This account has be charged off every month which is inaccurate and illegal. In XXXX It has me listed as charged off. 

XXXX XXXX XXXX This account has me charged off every month of XXXX which is illegal and you have conspired with the creditor to defame my financial character. How are you reporting this and claiming it is verified. You are a coconspirator to this crime! 

XXXX XXXX XXXXXXXX This account is illegally reporting me as consistently being charged off every month, illegal and inaccurate. 

XXXX XXXX XXXX XXXX  delete There are too many inaccuracies to count. 
They illegally charged this account off multiple times. 
The payment history is innacurate to an unbelievable rate. 

XXXX XXXX XXXX Illegally reporting me as charged off monthly since XXXX, but you reported this as accurate and verified, coconspirator. 

XXXX XXXX inaccurate im disputing the delinquent amount, and who they sold it too. They aren't listed on my report. I'm disputing the validity of this account being sold, and im disputing the inaccurate payment history including the late date of activity. This info differs on my other credit reports

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 2025-02-22 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: TX

Complaint narrative:
It is sad to say that reporting agencies failed to verify information before reporting on consumer reports and violated consumer right every time, My credit report consist of information that i am not familiar with and i do not know why false account are being placed on my report which violate my right as a consumer, requirements relating to information contained on my consumer reports are not right according to the 15 U : S Code 1681c please remove the accounts listed because they are not mine. 

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 2025-02-22 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: TX

Complaint narrative:
It is sad to say that reporting agencies failed to verify information before reporting on consumer reports and violated consumer right every time, My credit report consist of information that i am not familiar with and i do not know why false account are being placed on my report which violate my right as a consumer, requirements relating to information contained on my consumer reports are not right according to the 15 U : S Code 1681c please remove the accounts listed because they are not mine. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NV

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Closure of Case # XXXX I am writing to express serious concerns about the handling and premature closure of my CFPB complaint regarding Portfolio Recovery Associates XXXX PRA ). There are several critical issues that warrant immediate attention : Procedural Due Process Violation The case was closed without providing me an opportunity to respond to XXXX XXXX statements, which violates basic principles of due process and CFPB 's own complaint procedures. This unilateral closure prevents the full presentation of evidence and denies my right to address XXXX 's claims. 
Disputed Claims in XXXXXXXX XXXX Response XXXX 's response contains several contestable assertions that I was not permitted to address : XXXX  ) While XXXX claims they sent an initial notification letter on XX/XX/2017, I maintain that proper notification was not received. The mere claiming of sending a letter does not constitute proof of proper notification under the FDCPA. 
XXXX  ) XXXX states they have " no record '' of a dispute being received, yet this contradicts the existence of documented communication attempts. Their statement implies a possible deficiency in their record-keeping practices rather than proving no dispute was made. 
XXXX  ) The validation documentation they reference was not provided until after this CFPB complaint was filed, which demonstrates a failure in their initial debt verification obligations. 

Request for Case Reopening Given these procedural irregularities and unaddressed disputes, I formally request : XXXX ) The immediate reopening of this case XXXX  ) A full opportunity to respond to XXXX 's claims XXXX XXXX A thorough review of all documentation from both parties XXXX XXXX Verification of XXXX 's compliance with FDCPA notification requirements Additional Consideration The premature closure of this case without allowing for response effectively denies consumers their right to proper debt validation and dispute resolution under the FDCPA. This creates a concerning precedent that could affect other consumers facing similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EdFinancial Services
State: TX

Complaint narrative:
You ( CFPB ) closed my last complaint ( XXXX ) without a real resolution being provided by XXXX. I spoke directly with EDFinancial by phone on the morning of XX/XX/XXXX and the agent I spoke with admitted that the Financial Aid Loan that was provided and that is showing on my Credit Report is not associated with my Social Security number but said there is nothing they can do about it, which of course is completely unacceptable. 

Summary : The loans with EDFinancial in question that are showing on my credit reports belong to my son and was secured with a Promissory Note signed by my son 's now-deceased Grandfather and still-living XXXX. 

I had XXXX ( XXXX ) involvement in the attainment of these loans and was unaware of the loans until they mysteriously appeared on my credit report, which of course is backed up by the fact that XXXX can not associate these loans with me personally or any others for that matter. 

The only conclusion I can come to is that my name and other personal details got crossed by XXXX, since we both have the same legal name. XXXX XXXX XXXX. But when you examine the Promisory Note, the social security number that appears on the Promissory Note is that of my son 's social security number. 

On a related matter, someone is making monthly payments on these loans and are in good standing and not in collections. 

I tried speaking with my son, but unfortunately, he is not on speaking terms with me, as his mother and I were divorced in XXXX. 

It appears to me that someone or some entity forced this debt onto my credit report so my credit rating would be affected, which is an ill-legal activity and I think we need to find out if this is the case and who did this to me. 

I need these loans removed from my credit reports asap as it is affecting my ability to gain access to credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NV

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
{$27.00} - XX/XX/year> I filed a dispute with Citicard to address a charge from a merchant that sold me damaged goods. I provided pictures and stated the details as to why I am not responsible for this charge. Citi reached out to the merchant and the merchant in return provided false information about the transaction in question and as a result Citi ruled in their favor, which I felt was unfair. 

I recently reopened the dispute, provided clear and accurate details as to why I should not be responsible for the charge as it was clear the merchant scammed me by concealing the fact that the goods were damaged when sold to me. Citi still reversed the charge and made me responsible, and I am frustrated because I am the one who was wronged and Citi, as my longtime financial institution, did not work to back me at all and instead backed the merchant. I want this charge removed from my transactions as I do not hold accountability for this charge when the merchant did not provide the expected goods. 

Citi- its a shame you state youre on the side of the account holder when clearly youre not. Also the customer service is beyond horrible now that they outsourced to XXXX ; representatives are rude and do not care to provide good services. After all this I am considering closing my Citi account for good and moving onto better financial service providers who actually back their customers.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The date of the first delinquency that you have does not match the date that I have. Under 15 usc 1681b.e. You must provide maximum possible accuracy and Im taking into consideration the cfpb is suing you as well Im also requesting full disclosure of the XXXX of my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
The beginning of XX/XX/year> cashapp locked my account and stated it was for verification of address. They stated after I submitted the requested documents my account would be unlocked in a couple of days. It is now the end of the month and my account is still locked and I havent been able to receive my direct deposits or tax refunds and they still havent unlocked my account even with the documents they requested being sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On the XXXX XX/XX/XXXX, I was charge {$250.00} three times from XXXX XXXX to renew my membership. All three charges hit my debit card with TD Bank but my membership was never renewed. I immediately contacted the bank when this was noticed, and the bank representative advised that she would close the card, provide provisional credit and open an investigation. In XX/XX/XXXX, I saw my provisional credit was taken bank from my account and then I started to inquire what happened. 

TD Bank advised that XXXX XXXX tried to refund my money on XXXX XX/XX/XXXX but because the card was closed, they returned the money to XXXX XXXX. This should not have been the case as the bank should have accepted my refund since I had already reported the situation to them. Now I have contacted XXXX XXXX again in XXXX and they are advising that they can not see any transaction with my card, essentially denying they ever took my money but there is email confirmation from XXXX XXXX representative advising they took my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CBC Companies, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXur collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: ID Analytics, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent inquiry from my consumer credit report. This inquiry and is a result of identity theft and fraud. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint.

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