vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$21000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, credit collection XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$21000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, credit collection XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute the debt that is reporting by The Capstone Credit and Collection, LLC on my credit report in relation to an alleged debt from XXXX XXXX XXXX XXXXXXXX. This account has been inaccurately and unlawfully placed on my credit file, and I demand its immediate removal. 

First and foremost, I was never properly notified that my alleged debt with XXXX XXXX XXXX XXXXXXXX was being transferred or sold to a third-party agency. At no point did I sign or authorize the release of my personal information to The Capstone Credit and Collection, LLC. Furthermore, I was not properly verified before this debt was reported to my credit file, which constitutes a violation of my consumer rights. 

Upon requesting a debt validation letter, I discovered that this agency had sent correspondence to an address where I was not residing, which further demonstrates their failure to properly verify my identity. Additionally, this company has violated my consumer rights under : - **15 U.S.C. 1681** ( Fair Credit Reporting Act ) - **15 U.S.C. 1681b** ( Permissible Purposes of Consumer Reports ) - **15 U.S.C. 1692c** ( Fair Debt Collection Practices Act - Communication in Connection with Debt Collection ) Given these violations, I demand an immediate investigation into how this debt was verified and request full documentation proving its validity. If proper verification and documentation can not be provided, this eviction record must be removed from my credit report without delay. 

Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ). If the negative item is not removed, I am prepared to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 

I request written confirmation that this matter has been resolved. Thank you for your prompt attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION

Complaint narrative:
I'm writing to express my frustration with the service I've received from M & T Bank. I opened an account on XX/XX/year>, informing them that I hold Power of Attorney ( POA ) for my incarcerated boyfriend. After his mother 's passing on XX/XX/year>, he received an insurance payout, which we attempted to deposit into my account. Despite having the POA documentation, M & T Bank refused to accept the payout, and two payments were later successfully deposited. However, the bank then flagged the transactions as suspected fraud. I've since experienced poor communication, including unhelpful supervisors, disconnected calls, and unreturned promises to follow up. I request that M & T Bank promptly resolve this issue, verify my POA documentation, and release the frozen funds.

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 2025-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experia XXXX XXXX Equifax XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX TransUnion XXXX XXXX XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 explanation
Consumer complaint received 2025-04-02 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experia XXXX XXXX Equifax XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX TransUnion XXXX XXXX XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 non-monetary relief
Consumer complaint received 2025-04-02 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 fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccuracy ... 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

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 2025-04-02 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-02 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: PA

Complaint narrative:
15 usc 1692c ( c ) that law clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Reference Number - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Reference Number - XXXX. Both People keep sending emails reaching out!

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate debt in the amount of {$3900.00} being reported by XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  This debt is associated with Account Number : XXXX and is inaccurately attributed to me. I have no obligation financial relationship with XXXX XXXX XXXX XXXXXXXX concerning this debt. This information is incorrect and must be removed from my credit report. 

Applicable Consumer Protection Laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- 1681i Right to dispute inaccurate information and request investigation.

- 1681g Right to receive all information in the consumers file.

- 1681e ( b ) Obligation of furnishers to report accurate information. 

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

- 1692e ( 2 ) ( A ) Prohibits false representation regarding the amount, character, or legal status of debt.

- 1692c Right to request debt validation.

- 1692f Prohibits unfair or unconscionable collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX ( Account 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX in which the vehicle was totaled out. My property such as my phone and purse was left behind as the vehicle was no longer operable anymore. The owner of the vehicle was suppose to go and retrieve the items he wanted out of the vehicle and when I received my phone back it was completely shattered unable to view anything in my device. I then noticed my purse was not returned to me when I contacted Bank of America to lock the card I noticed the card had been in use unauthorized by myself. I then created a claim for the funds and Bank of America basically told me I authorized someone to use the card with my permission which is incorrect no one has ever had consent from me to use it distribute funds from my account for any reason during anytime,

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 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I do not recognize the debt from I C SYSTEM INC, i never had a contract with them or any communication. I tried to dispute through XXXX but they never conducted proper 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 explanation
Consumer complaint received 2025-04-02 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: Self Financial Inc.
State: NC

Complaint narrative:
Previous cfpb complaints XXXX  Amounts owed go up and down on credit report with inaccurate information that does not come from me This account is listed as being 30 days late. I have never been late on this account. 

In addition, there are a number of separate credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : self/inc SELFINC/LEAD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
This information is inaccurate as account was paid in full. Bureau keep saying it is validated and no information I requested was given. Request tk remove has been ignored.

Company response to consumer: Closed with explanation