vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
On my Equifax credit report, there are charge-off entries for XXXX XXXX XXXX ( account number XXXX ), reported on XX/XX/XXXX, and XXXX XXXX XXXX XXXX  account number XXXX ), reported on XX/XX/XXXX. Both of these entries are incorrect, and I strongly believe that the inaccuracies are the result of a data breach rather than any fraud or identity theft. These charge-offs have been reported incorrectly, and their presence on my credit report has caused severe damage to my creditworthiness. Despite my efforts to dispute the charges, they remain on my report, continuing to negatively impact my ability to secure financing or make necessary purchases. The mental and financial strain caused by these errors is significant, as I now face a lower credit score and more difficulty in managing my finances, all due to an error that was not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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: AZ

Complaint narrative:
I'M REQUESTING THAT YOU HELP ME REMOVE SOME FRAUDULENT ACCOUNTS. I'M A XXXX XXXX VICTIM UNDER XXXX AND AN IDENTITY FRAUD VICTIM AND I NEED THOSE ACCOUNTS REMOVED PLEASE. I HAVE ATTACHED EVERYTHING YOU NEED TO SUPPORT MY CLAIM.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Under Title 15 of the United States Code, Section 16818, a credit inquiry may only be made under certain circumstances and for permitted purposes. Additionally, under Title 15 of the United States Code, Section 16811, I have the right to dispute inaccurate information in my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-05-09 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: AZ

Complaint narrative:
I discovered that medical debt is still being reported on my credit report, despite the CFPB final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on XX/XX/year> and bans the inclusion of medical debts on credit reports provided to lenders The reported medical debt is negatively affecting my credit score and may influence lending decisions. this violates CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
MY RIGHTS HAVE BEEN VIOLATED IN REGARDS TO WHAT THESE THREE CREDIT REPORTING AGENCIES ( Transunion, Equifax, and Experian ) ARE REPORTING ON MY CREDIT REPORT UNLAWFULLY...

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
MY RIGHTS HAVE BEEN VIOLATED IN REGARDS TO WHAT THESE THREE CREDIT REPORTING AGENCIES ( Transunion, Equifax, and Experian ) ARE REPORTING ON MY CREDIT REPORT UNLAWFULLY...

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-05-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The company name is XXXX. I paid the account off in full and it it's still negatively reporting on my credit report. I sent them a receipt proof of payment as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 
Attn : Customer Service Department XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number Ending in XXXX Original Creditor : Capital One Bank ( USA ), N.A. 
Current Owner : XXXX XXXX XXXX Balance : {$450.00} Reference ID : XXXX This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this alleged debt and demand that you provide the following documentation to validate your claim : 1. A complete copy of the original signed contract or agreement bearing my signature with Capital One Bank ( USA ), N.A.

2. A full accounting of how the alleged debt amount of {$450.00} was calculated.

3. Proof of your legal authority and chain of assignment to collect on this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that this debt is within the statute of limitations for collection in California.

Additionally, this letter serves as a cease and desist notice under 15 U.S.C. 1692c ( c ). I am invoking my right to request that you cease all communication with me regarding this matter. This also includes, but is not limited to, the reporting of this alleged account to any consumer reporting agencies. The continued publication of this account on my consumer reports constitutes collection activity and must cease immediately. I demand that you delete this account from all consumer reporting agencies to whom you have furnished data, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Furthermore, based on the information available to me, this alleged account may be past the statute of limitations for legal collection in the state of California. Any attempt to collect on a time-barred debt is a violation of the FDCPA and will be treated as such.

If you can not validate this alleged debt with sufficient documentation as required by law, you must : Cease all collection activities, Remove this account from my credit reports, and Refrain from selling or transferring the account to another entity.

Please note that failure to comply with these demands will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Department of Financial Protection and Innovation. I also reserve the right to pursue legal action for any violations of my rights under federal or state law.

This letter is being sent for the purpose of disputing a debt and asserting rights under federal law. It is not to be construed as an acknowledgment or acceptance of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am requesting the immediate removal of a fraudulent and unauthorized hard inquiry reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, from my TransUnion Credit Report. 

Additionally, there are incorrect and unauthorized name variations listed on my credit file that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update and correct this information and expedite the removal of the inquiry. 

I appreciate your immediate attention to this matter.

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 2025-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
That are holding my money & only let me only get out a XXXX & I have XXXX bills to pay cause I'm about to get kicked out also lose everything I have so I need this fixed cause I need to all of my money out from account without having to have no issues or saying that they can't give me all of my money cause they need two forms of ID whenever they around know who I'm cause I have been with them for over twenty five yrs now so something needs to be XXXX done asap

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 2025-05-09 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a savings account with Citi Bank for several years, with a balance of approximately {$17000.00}. After experiencing a problem with a credit card application and informing Citi Bank that I intended to move my funds to a new institution, I initiated a transfer of my savings to a new bank. The transfer was successfully completed, and the funds had been in the new account for over a week when Citi Bank suddenly blocked the transfer and demanded that the funds be returned. The reason provided was that my account had been flagged for a fraud review dating back to XX/XX/year>, which they said resulted in a block being placed on my account. 

I have had uninterrupted daily access to my account for the past two years, and no fraud or suspicious activity has occurred on my account. Despite this, Citi Bank insisted that the fraud review needed to be completed before the block could be lifted, and they requested the funds be returned to their account. When I contacted the bank, they told me that I would need to complete the review process by visiting a branch in person, even though their email correspondence had mentioned that the issue could be resolved through phone or online channels. 

I received an email from Citi Bank stating that after a thorough review, no evidence of discriminatory action was found. The email explained that my account was flagged for fraud review on XX/XX/year>, and they indicated that the verification needed to remove the block had not been completed. Despite following their instructions and contacting them multiple times, the block has not been lifted. The email also states that I can not close my account or move my funds until the review process is completed. 

As of now, I am unable to access my own funds or transfer them to the new bank, even though I have already successfully transferred them once and the transfer has been pending for over a week. I have repeatedly attempted to resolve this issue through customer service and the fraud department without success. The freeze on my account has caused significant inconvenience and financial hardship.This email further highlights the inconsistent and inadequate service I have experienced, and the lack of clear communication regarding the timeline for resolving the issue.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Bankruptcy XXXX XXXX or XXXX reference number : XXXX, XXXX, XXXX Please remove it or I will seek legal compensation

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Bankruptcy XXXX XXXX or XXXX reference number : XXXX, XXXX, XXXX Please remove it or I will seek legal compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
The application of Bank are chime LLC has stolen {$210.00} out of my direct deposit they have indicated on a recorded line that they can not guarantee them my direct deposit will be paid that will be paid even of their and it does not say anything on their terms and conditions when the direct deposit is actually set on the account therefore the company should be considered a scamming company and I have to drive to negotiate or try to talk with the manager with the name of XXXX a quotations if that's his real name and they had did not provide any resolution for the issue.

Company response to consumer: Closed with explanation