vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an accounts that I was never late for Consumer Reporting Agencies have assume a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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. 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 as proof from the US Federal Trade Commission that all 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by the consumer, this must be provided with in15 days in order to comply with FCRA guidelines. Attached you will find the first request for debt validation. Due to the data breeches that have been running around I and the information that I do not know about please validate the following alleged debtsXXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by the consumer, this must be provided with in15 days in order to comply with FCRA guidelines. Attached you will find the first request for debt validation. Due to the data breeches that have been running around I and the information that I do not know about please validate the following alleged debtsXXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Heres a revised CFPB complaint statement incorporating the new details you provided : Consumer Complaint Against Capital One for Deceptive Practices To Whom It May Concern, I am filing this complaint against Capital One due to deceptive business practices regarding my credit card accounts ( last four digits : XXXX, XXXX, and XXXX ). 

Background of the Issue On a recorded call in XX/XX/XXXX, I was informed by a Capital One representative that my Walmart credit card ( ending in XXXX ) was being converted to a Quicksilver card ( ending in XXXX ) and that I would receive the new card by XX/XX/XXXX. I was under the impression that my account was still active and usable following this conversion. 

Additionally, I was told that the restrictions on my XXXX credit card ( ending in XXXX ), which had been restricted since XXXX, would be lifted in XX/XX/XXXX as long as I continued making my payments. 

Based on these assurances, I faithfully made my monthly payments with the understanding that I would regain full access to my accounts in XX/XX/XXXX. 

However, on XX/XX/XXXX, I spoke with a Capital One supervisor who contradicted previous information, stating that : My Walmart card was converted to a Quicksilver card in XX/XX/XXXX, though I was only informed of this in XX/XX/XXXX. 
XXXX XXXX  card ( XXXX ) will remain permanently restricted, despite previous assurances that the restriction would be lifted upon completion of my payments. 

Deceptive and Misleading Conduct Capital One misrepresented the status of my accounts and the conversion timeline. 
I was led to believe my XXXX  card ( XXXX ) would be reinstated, but after making payments as agreed, I was informed that it will remain permanently restricted. 
Capital One induced me to continue making payments under false pretenses, only to later contradict their own prior statements. 
The lack of clear and consistent communication has caused financial harm and misled me into making unnecessary payments under false expectations. 

Requested Resolution I request that the CFPB investigate Capital Ones deceptive handling of my accounts and require them to : 1. Provide a written explanation of why they misrepresented my account status. 
2. Honor the original agreement to reinstate my Platinum card ( XXXX ) or offer a fair resolution. 
3. Implement transparency policies to prevent misleading customers in similar situations. 

Capital Ones handling of my accounts constitutes unfair and deceptive business practices, and I urge the CFPB to take action. Please let me know if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I have no affiliation with these accounts and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. Please find the enclosed documents for your review and reference.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Hey  I sent letters  to XXXX  requesting non validated accounts be deleted off my consumer report and to others like lvnv funding and XXXX XXXX  I havent yet received a response from anybody I ask that u hande my complaint properly please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS 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 2025-03-12 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-12 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Good afternoon, For years my information has been exposed and due to that it led me to be a victim of identity theft. Here are the accounts affected by this cyber crime. A total of XXXX accounts. I discovered these accounts for about the same time they were opened. I didn't know how to respond but after speaking to several advisors and law enforcement now i know. On XX/XX/XXXX a XXXX XXXX XXXX opened reporting a balance of {$680.00}. On XX/XX/XXXX a 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 A reporting different amounts. I have no idea who opened any of these accounts.

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 2025-03-12 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: GA

Complaint narrative:
Good afternoon, For years my information has been exposed and due to that it led me to be a victim of identity theft. Here are the accounts affected by this cyber crime. A total of XXXX accounts. I discovered these accounts for about the same time they were opened. I didn't know how to respond but after speaking to several advisors and law enforcement now i know. On XX/XX/XXXX a XXXX XXXX XXXX opened reporting a balance of {$680.00}. On XX/XX/XXXX a 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 A reporting different amounts. I have no idea who opened any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXXXXXX  I received a call from Discover fraud department asking if an attempted debit transaction was legitimate. I informed them that it was not. My checking account was then frozen and a new debit card reissued. On that same date {$1200.00} was taken from my savings account using XXXX. I did not initiate that transaction. Discover states that they can't do anything unless I can prove that I did not initiate the payments ( {$1000.00} and {$200.00} ). Discover is unable to tell me how to prove a negative. I live on social security and must have my money returned, but no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
XXXX XXXX XXXX put a debt on my credit report that does not belong to me. 
The name matches my name however the address where the debt accrued from XXXX XXXX is not my address. I have lived at my current address for 15 years now. This debt was accrued in XXXX. I have been at my current residence since XXXX. I called this energy company and they used my SS number to look for an account and stated I dont have and have never had an account with them. I told XXXX this and they said I have to verify my residence. I did so by sending mortgage statements from XXXX and XXXX of XXXX  yet they still want remove the info from my credit report.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
As of XX/XX/XXXX, Transworld Systems Inc has placed a charge on my credit report ' On XX/XX/XXXX I, XXXX XXXX phoned Transworld Systems Inc. After speaking with XXXX , a representative, who informed me that she would not put in writing and email me an offer to pay a discounted amount ( {$980.00} ) to a {$1900.00} charge from XXXX XXXX where they claimed to have obtained the delinquent account # XXXX, I asked to speak to her supervisor. 

She placed me on hold then returned to say there was no supervisor available. This prompted me to seek the headquarters that regulated Transworld Systems Inc. so I ended the phone call and looked on XXXX for the headquarters so that I could report the incident. 

While searching for this information, I came upon the CFPB which posted a previous case against Transworld Systems Inc where the company had to pay {$2.00} XXXX fine in a judgement against them for a fraud case. 

Previously, on my credit report I disputed the charge but got nowhere because there was no answer to the phone when I phoned back in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I opened a Credit Karma Spend account to get the early tax return loan through XXXX ( both owned by XXXX ). I ended up oot qualifying for the loan, and had already entered my Credit Karma Spend account numbers for my direct deposit on my E-Filed taxes. 
My state hit first, I transferred some to my linked physical bank account, and left the rest on the card to use. A few days later, Credit Karma locked my account " for my protection '', and when I called to see why, they informed me it was already in the process of closure and my card was locked. That was XX/XX/XXXX, it is now XX/XX/XXXX. They said 7 to 10 days, but can not give me any updates whatsoever. A ; ways 7-120 days, Ive called 3 times. I'm irritated that now I have to wait for a paper check for my federal taxes, but really I just want my stolen money, I still don't have my {$500.00} and get no information is given to me, they say to monitor my emails but I get none.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-12 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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