vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
In XXXX this year I discovered that my credit score had dropped XXXX points. I logged into XXXX credit reporting agency and found that a credit account had been added by XXXXCollection Bureau of AmericaXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ' to the sum of {$1400.00}. I immediately initiated a dispute with XXXX because I know this debt is not mind. Their results came back to me XX/XX/year> as verified and accurate. Their findings are false. On XXXX I received a letter from the aformentioned Collection agency for demand of payment. I learned from this letter that the original creditor is XXXX XXXX XXXX for nonpayment of services rendered as follows. Install date : XXXX -- Discconct date : XXXX. Service address : XXXX XXXX XXXX XXXX Ca. XXXX. I have NEVER lived at this address. Nor contracted, given permission to or cosigned to anyone else for services with XXXX XXXX XXXX. And I can prove it. I believe that I could be a victim of identity fraud and/or XXXX XXXX  XXXX made a mistake, by accident or on purpose, by using my identity to tag me with someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5500.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) as proof from the XXXX 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX XXXX XXXX  - XXXXXXXX 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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im victim of identity theft. Someone used my information to apply for Capitol One silver credit card. On XXXX XXXX, I received email from Capitol one asking for my driver license. I immediately call Capitol customer services to report that this is a Fraud and I DID NOT apply for credit card at Capitol one. 

I talked to Customer service agency and their fraud department, ensuring that nothing is open under my name. They told me fraud department will close it out my case however, I never received email from Capitol one saying that that fraudulent credit card application was closed. And I called again today use my SSN to check the fraudulent application status, it still shows active and pending approval from Capitol one. 

I Asked Capitol One to cancel the application under my name and ssn immediately and report it to fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal of Accounts under USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported on my credit file, specifically regarding the accounts listed under DPT EDXXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and after reviewing my credit report, I have identified several discrepancies concerning these accounts. I believe that these entries are inaccurate and should be removed from my credit file as outlined under USC 1681.

The details of the disputed accounts are as follows : 1. DPT EDXXXX {$9500.00} 2. DPT EDXXXX {$7900.00} 3. DPT EDXXXX {$5900.00} 4. DPT EDXXXX {$5000.00} 5. DPT EDXXXX {$4600.00} 6. DPT EDXXXX {$3400.00} 7. DPT EDXXXX {$2600.00} 8. DPT ED/XXXX {$2600.00} 9. DPT EDXXXX {$580.00} These accounts have been reported inaccurately and I request that you thoroughly investigate each one. I am requesting that all XXXX accounts be removed from my credit report due to non-compliance with the provisions of the Fair Credit Reporting Act and because the information is incorrect. 

Under the FCRA ( USC 1681 ), I am entitled to a fair and accurate credit report. As such, I ask that you investigate these items and correct or remove the accounts that are being reported inaccurately. Please provide me with a written statement detailing the results of your investigation and any actions taken on these accounts. 

If the information can not be verified as accurate, I expect these accounts to be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERIS BANCORP
State: CO

Complaint narrative:
We submitted our complete loan application on XX/XX/2025, and received a confirmation email from the lender acknowledging receipt of our application. On XX/XX/2025, we received a Pre-Approval Letter indicating that we were pre-approved for a loan. However, the Pre-Approval Letter did not include any specific loan details, such as the interest rate or estimated costs.

To better understand the terms of the loan, we requested a Loan Estimate, as required by federal law. In response, the lender provided us with a XXXX document titled " Loan Estimate. '' However, upon reviewing the document, we discovered that it was not a Loan Estimate but instead a Loan Worksheet, despite it being titled as a Loan Estimate. The worksheet lacked the standardized format and detailed disclosures required in a Loan Estimate.

This misrepresentation is very concerning and appears to be misleading. A Loan Estimate is a required document that provides borrowers with clear and comparable information about their loan options. By labeling a Loan Worksheet as a " Loan Estimate, '' the lender has created confusion and failed to provide the transparency we are entitled to under the TILA-RESPA Integrated Disclosure Rule ( TRID ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-04 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/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 2025-03-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My edd bank of america card was stolen at first and used to get XXXX  and withdraw money that I didn't authorize and had to get replacement but was not reimbursed for the charges.

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 2025-03-04 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I spoke with XXXX ( office of chairman ) at Citizens Bank on XX/XX/XXXX regarding I have not been receiving my XXXX forms in the mail for tax purposes. XXXX assured me that the problem was fixed. At XXXX time I had online banking but I no longer use online banking because I do not have my own personal computer. I have been a target of identity theft a few different times and do not feel comfortable using a public computer with all the scams that are currently going on. I have been living at my current address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX ) since XXXX of XXXX. The first year I received my XXXX form in the mail but have not since. I spoke to XXXX at the local branch ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) the last week of XX/XX/XXXX and was told " I am setup to receive a paper XXXX form in the mail and the forms were mailed out on XX/XX/XXXX. She said, " people are now calling saying that they are just now receiving their XXXX ''. XXXX advised me to give it a little more time due to XXXX 's XXXX. I do not understand why it would take longer than a few extra days to receive my XXXX due to the holiday. I then called Citizens customer service numerous times and spoke with a several different people who told me that the XXXX forms were mailed out XX/XX/XXXX or XXXX, XXXX and was advised to give it a few more days. The last gentleman I spoke with at customer service told me that the XXXX forms are not mailed out until XX/XX/XXXX. I am now getting frustrated because I am getting different answers. I have been a long time customer ( grandfather-in ) with Citizens Bank and do not feel that I did anything wrong. I am entitled to receiving my XXXX form in the mail. I then left XXXX XXXX XXXX or XXXX -- XXXX ) several messages with no response back. I then reached out to the XXXX XXXX XXXX XXXX. Not long after I reached out to XXXX then XXXX calls me back. This is not good customer service. XXXX advised me that he will mail me a duplicate XXXX form but I still have not received the form yet. He also mentioned that he was waiting on an answer from the back end as to why I have not received my XXXX form. I still have not heard anything back yet from XXXX. It should not take this long. I feel as if they are just putting my situation on the back burner and will take care of it later. This is absolutely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
I did not give handwriting consent, or verbal consent for these things to be reported on my consumer report. I am asking for these things to be taking off my consumer report in the next XXXX days as this is illegal to report these things on my consumer 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 2025-03-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In the process of rental home search I went to check my credit score. I noticed it XXXX points lower than 6 months ago. 

Investigatom reveals an abundance of inknkwn and unauthorized soft inquies. Additional research confirm my data was leaked in the XXXX XXXX XXXX XXXX data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 explanation