vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: AZ

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 2025-05-13 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: AZ

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 non-monetary relief
Consumer complaint received 2025-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Unauthorized Hard Inquiries Due to Identity Theft FCRA 604 & 611 I am writing to formally dispute a series of unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me. I suspect they are the result of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 604 and 611, I am requesting that these inquiries be investigated and removed from my credit file immediately.

Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers permission. I did not authorize the inquiries listed below, and therefore they violate this statute. In addition, per FCRA 611, I have the right to dispute any information on my credit report I believe is incorrect or the result of fraud. 

List of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am attaching my FTC Identity Theft Report, as well as a copy of my government-issued ID and my bank statement as proof of identity and residence. I ask that you investigate and remove these unauthorized inquiries in compliance with the FCRA.

Please confirm in writing once the inquiries have been removed. If any further information is needed, do not hesitate to contact me at the information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Unauthorized Hard Inquiries Due to Identity Theft FCRA 604 & 611 I am writing to formally dispute a series of unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me. I suspect they are the result of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 604 and 611, I am requesting that these inquiries be investigated and removed from my credit file immediately.

Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers permission. I did not authorize the inquiries listed below, and therefore they violate this statute. In addition, per FCRA 611, I have the right to dispute any information on my credit report I believe is incorrect or the result of fraud. 

List of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am attaching my FTC Identity Theft Report, as well as a copy of my government-issued ID and my bank statement as proof of identity and residence. I ask that you investigate and remove these unauthorized inquiries in compliance with the FCRA.

Please confirm in writing once the inquiries have been removed. If any further information is needed, do not hesitate to contact me at the information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-05-13 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-05-13 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Requested removal of these fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX. XXXX Account # XXXX XXXX. Chase Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Requested removal of these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I can not open a bank account I keep getting denied because an old account I am not aware of keeps saying I owe them from Bank of America. When I call they can not find any accounts. I dont know what to do because its hurt me getting an open checking account

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 2025-05-13 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX reaching out because I really need help getting an account from XXXX XXXX XXXX ( Account XXXX  ) permanently removed from my credit report. Ive already disputed this account multiple times, and it was deleted twice. But even after that, it was reinserted again without any proper notice or explanation. The most recent reinsertion happened in XX/XX/year>, and I never got the required notice within XXXX business days, like the law says under 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). This isnt just frustrating, its a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ). And to make things worse, I NEVER gave any permission or written consent for this account to be reported at all, which violates 15 U.S.C. 1681b ( 2 ). Only Experian is reporting this account, too, and none of the other credit bureaus are, which makes it even more suspicious. This whole issue is tied to identity theft that Ive already reported. Ive been doing everything I can to clear this from my record, but despite getting it removed twice, it just keeps coming back. Im really asking for help now to make sure this account is permanently deleted and never reinserted again. At this point, if Experian doesnt follow the law, they could be held responsible under 15 U.S.C. 1681n for willful noncompliance or 1681o for negligence. Im hoping CFPB can step in and make sure my rights are protected and that this account is finally resolved once and for all. Thanks so much for your time and help.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally express my concern and dissatisfaction with the actions taken by Bank of America regarding the closure of my account,. My account was closed without any clear explanation or prior notification, and this has caused me significant financial and personal hardship. 

The balance in my account at the time of closure was nearly {$20000.00}. Despite having contacted your bank multiple times through phone calls, letters, and in-person visits, I have received no satisfactory explanation as to why my account was closed. As a result, I have been unable to access my funds for the past four months, which has severely impacted my ability to pay for essential expenses such as my mortgage, utility bills, and other living costs. 

This situation is causing me considerable stress, and I am extremely disappointed with the lack of communication and support I have received from Bank of America. I am requesting an immediate explanation for the closure of my account and a resolution that will allow me to access my funds. I would also appreciate it if you could provide me with any necessary steps to rectify this issue. 

As a customer, I feel that I am entitled to a clear answer and compensation for the financial difficulties I have faced due to the inability to access my money. If this matter is not resolved promptly, I will be forced to file a formal complaint with relevant regulatory authorities. 

Please contact me at your earliest convenience via email at [ XXXX XXXX XXXX XXXX XXXX fl XXXX  ] or phone at [ XXXX ]. I expect a response within [ reasonable time frameXXXX XXXX XXXX business days ]. Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-05-13 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I am filing this complaint against Carrington Mortgage Services , LLC regarding their refusal to report my mortgage payment history to the three major credit bureaus ( XXXX, XXXX, and XXXX  ). Despite fulfilling my post-bankruptcy obligations, Carrington continues to withhold this critical reporting, which is harming my ability to rebuild credit. 

My XXXX  XXXX bankruptcy was filed on XX/XX/year> and discharged on XX/XX/year>. Carrington has confirmed that the lien on my property remains valid and that I am still obligated to make monthly payments. I have consistently made these payments for over 10 years post-discharge. However, Carrington claims they are no longer reporting to the credit bureaus because of the discharge this is inaccurate and misleading. 

Legal Grounds : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), Carrington is obligated to ensure that any information it chooses to report is accurate and complete. The bankruptcy discharge relieved me of personal liability but did not remove the lien or the obligation to pay thus, the payment history is valid and reportable. 

Furthermore, their refusal to report this history may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Failure to report accurate payment history misrepresents my creditworthiness and negatively impacts my financial standing. 
Request for CFPB Action : I respectfully request that the CFPB investigate Carrington Mortgage Services for noncompliance with federal law and compel them to : Accurately report my full post-bankruptcy mortgage payment history to the credit bureaus. 
Provide written confirmation of compliance within 15 days. 

Their failure to act is unfair, deceptive, and in clear violation of consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
Date opened XX/XX/year> total amount stated was XXXX $ Ask for proof of Non payments .. & was harassed that it would effect credit if not payed in full..

Company response to consumer: Closed with explanation