vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: FL

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 ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute 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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hey XXXX XXXX CFPB ; I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor XXXX for an alleged {$2400.00}. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : XXXX. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ). 
XXXX. Legal basis for collection. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Signed contract or agreement proving the debt. 
XXXX. Full account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
accounts are reporting negatively to my report. Ive tried to get it off multiple times. They never provided me with what Ive asked for. Never provided a debt validation letter for my account like i asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear XXXX, I am writing to seek clarification regarding the verification process for certain accounts on my credit report that I believe to be inaccurate. 

Specifically, I would like to understand how these accounts were verified. Did your company contact the original creditor directly, or was the verification based solely on information available within your database? Please provide a agreement with LVNV Funding, XXXX with my signature. I would also like to have the XXXX for these charge offs. 

Below, I have listed the accounts in question : LVNV FUNDING LLC Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts LVNV FUNDING LLC Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I kindly request that you provide the following information within XXXX days : a ) The name of the creditor ; b ) The name of the person who verified the dispute ; c ) The creditor 's address ; d ) The creditor 's telephone number ; and XXXX ) Any documentation used to verify the dispute. 
f ) Requesting the origial signed contract. 

I believe that XXXX days should be a reasonable timeframe to fulfill this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX was a victim of identity theft. When I was incarcerated my check was stolen at that time so I had I no way of receiving it due to me being in XXXX I am acknowledging Bank of America that it was no I could have made this transaction it is unauthorized. I am requesting that Bank of America to have a complete investigation of this matter and correct any errors that occurred in a timely manner.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2.

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA XXXX, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, 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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today 's date is XX/XX/XXXX. My wife and I have XXXX credit cards with Capital One. The interest was reaching almost 30 % and our balances were maxed out so we took out a personal loan with XXXXXXXX XXXX on XX/XX/XXXX to pay off these balances. ( The credit cards remained open, we did not close them ). I paid the minimum balance on both Capital One credit cards : {$450.00} on card ending in XXXX on XX/XX/XXXX and {$160.00} on card ending in XXXX on XX/XX/XXXX to avoid late fees. XXXXXXXX XXXX mailed XXXX checks to Capital One which were received and cashed XXXX day later, XX/XX/XXXX. The Credit card ending in XXXX was paid off with {$14000.00} from XXXX XXXX they received my payment the day before of {$450.00}. TOTALING {$14000.00}. Our available credit is {$14000.00}. So we had a credit due to us of {$450.00} on that XXXX credit card ending in XXXX. On XX/XX/XXXX, Capital One charged XXXX {$260.00} in interest fees, and now the new balance on our account is {$13000.00}. Capital One is charging us for using our owed balance on the card. We should be CREDITED back our {$450.00} PLUS the false {$260.00} interest charge returned to us PLUS have our account balance back to {$14000.00}. 

The next credit card, ending in XXXX : I sent a {$160.00} check to them on XX/XX/XXXX and XXXX sent a {$4700.00} check to them XXXX day later on XX/XX/XXXX, totaling {$4900.00}. Our available credit is {$4700.00}. We OVERPAID by {$150.00}. On XX/XX/XXXX Capital One charged XXXX {$98.00} in interest fees on an overpaid account balance. We should be CREDITED back our {$150.00} XXXX the false {$98.00} interest charge and want our balance stated correctly on that card. 

I called XXXX times to try to speak to a XXXX at Capital One and they said that everything is in order as I was in the wrong. They won't help me or fix this. They stole several XXXX dollars from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX Balance : {$28.00}, XXXX XXXX XXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX Balance : {$28.00}, XXXX XXXX XXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUSTMARK CORPORATION
State: AZ

Complaint narrative:
So far, XXXX XXXX XXXX with Trustmark bank has verified that my state retirement fund is already been involved in this discount. The trust mark said I didnt have and also I have some proof of identity, including my XXXX  transcripts Ive XXXX in copies of my previous tax transcripts, I have sent copies of my birth certificate, and my ID proving that I was the owner of the account and XXXX XXXX is still requiring more information and wanting me to sign forms for which he only sent me XXXX pages of a XXXX page form and he tried to have notarize the document that he failed to send only XXXX of XXXX pages. And even though Im sending proof of my identity, XXXX XXXX says he still yet to update my account information to I can have access to my 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 2025-03-29 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: SC

Complaint narrative:
This acct. XXXX XXXX  is inaccurate. Previous dispute bureau stated they sent out info. and I will receive it within 7 days. I have not received anything. This is a violation of many FCRA.

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 2025-03-29 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: TX

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 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal loan account opened at DEPT OF ED/XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$670.00} that appears related to the aforementioned personal loan account opened at 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  ( private case number ) 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 2025-03-29 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which grant me the right to request verification of any account reported and demand removal if unverifiable, inaccurate, or duplicated. 
Please investigate and provide proper documentation for each of the following 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 2025-03-29 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which grant me the right to request verification of any account reported and demand removal if unverifiable, inaccurate, or duplicated. 
Please investigate and provide proper documentation for each of the following accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief