vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: FL

Complaint narrative:
My account was fraudulantly accessed on Sunday, XX/XX/XXXX at XXXX. I received a fraudulant phone call from XXXX trying to get me to give them my pin code for my debit card. They changed my password, transferred money and attempted to charge items against my account. They also set up a virtual debit card linked to an apple ipay account. Charges were blocked after I chatted with them online. 
I was able to reset my password but it was changed again 15 minutes later. I called and talked with customer service who told me I needed to talk to their fraud department. This was around XXXX but their department did not open til XXXX. When I finally talked with someone, they said they disabled the virtual account and helped me change my password again. Fifteen minutes later, my accout password was changed again so I called back to have them close my account. 
They said it would take 7-10 business days to close the account!!!!! How absurd! In this day and age to take an online account 7-10 days to close. I can close some bank accounts online in a minute.

I still receive texts while waiting for this process to occur as someone continues to try to hack into my account. 
Something needs to be done with this conglomerant company to speed up the process to delete accounts quickly, not 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 am disputing the validity of all claims associated with the account listed under account number XXXX. This account, reported as a repossession by XXXX XXXX, is inaccurate and unverified. 

There is no balance reporting, and my sole concern is the inaccurate repossession status. Under the laws of Texas, as well as UCC 9.506, XXXX, and XXXX statutes, a repossession can not be lawfully reported unless all required pre-sale notices were properly and timely issued, and the borrower was given a reasonable opportunity to cure or redeem the vehicle. I do not recall receiving such notices. 

In XX/XX/year>, I submitted a written request directly to XXXX XXXX asking for documentation to validate this repossession. That correspondence, which is attached, is dated and time stamped. To date, they have failed to provide the required documentation. 

Furthermore, this account has already been deleted by XXXX due to failure to verify its accuracy. Therefore, Experian and XXXX must now follow suit and remove this account in accordance with FCRA 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. 

As this information remains unverified and inaccurate, I am formally requesting that this account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
XX/XX/year>2023 XX/XX/XXXX sold my debt to XXXX, XX/XX/XXXX, XXXX and Im currently being garnished for a account thats closed on my credit report on all three site and have no got any letter from them only what I requested from my hr

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
The information related to the vehicle is inaccurate it should not be reported late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/year>2025, I sent a formal debt validation request to XXXX regarding a {$1400.00} account reported by LVNV Funding LLC. XXXX received this on XX/XX/year>2025, and responded only by adding a remark that I disputed the account but did not provide verification documentation or explain how the account was validated. 

On XX/XX/scrub>, 2025, I sent a direct debt validation letter to LVNV Funding LLC, requesting documentation such as a signed agreement, itemized account breakdown, and proof of assignment from the original creditor. They received it on XX/XX/year>2025. Their response failed to validate the specific account in question. I sent follow-up letters on XX/XX/XXXX and XX/XX/year>2025, which they received on XX/XX/XXXX and XX/XX/XXXX, respectively. Their response continued to lack any of the legally required documents. 

Meanwhile, I discovered that LVNV Funding LLC filed a lawsuit on XX/XX/XXXX, 2025before receiving my validation request and without notifying me until I was served on XX/XX/scrub>, 2025. At the time of service, they still had not validated the debt. 

Despite my repeated requests and their knowledge of the pending dispute, LVNV Funding proceeded with legal action without validating the debt, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this matter be reviewed and that LVNV Funding either provide proper documentation or cease all collection activity, including litigation, until the debt is validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding your immediate attention and correction of serious, negligent reporting errors that are present on my credit report. The same accounts are being reported with inconsistent and outright conflicting information a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and a direct attack on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
The bank made a huge mistake and tried to charge me more than {$12000.00}. I filed a complaint with the CFPB and the situation was resolved over a ten month period. In the interim they ruined my credit score and now after having received a credit for almost {$6000.00}, in going over my account during tax season, I discovered that the credit issued in XXXX of 2024 was then removed in XXXX of 2024. They have been overcharging me for six months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX- Balance : {$100.00} - Account # : XXXX XXXX- Balance : $ - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX CO - Balance : {$36000.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$32000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX I requested an external transfer of {$4000.00} to another bank institution, I did the procedure normally, which is done for any transfer of funds between bank institutions, and it was approved for them. 
The process indicated for them on their website is, that you request on Mondays, it will be sent on Tuesdays and the money will be available on Thursdays. 
Today with a big disappointment, I noticed in my account with them that the money was still there with them, instead of being on the way to the other institution as should have been. I called today and asked why my money still was with them, and the ridiculous answer that XXXX gave me was " Your account is blocked, seems we need your signature card '' How come? 1st of all, when anyone does electronic transfers in any bank institution don't need a " Signature Card '', Secondly they never asked me for that when I opened the account with them, or when I requested the external transfer, instead of that they sent me 3 e-mails confirming 1st. The registration of the external account, 2nd my ability for external transfers, and 3rd the transfer Request # XXXX scheduled. 
Never they call me or email me to notify anything regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: IL

Complaint narrative:
I reached out to report an incident involving a fraudulent property rental account that was opened in my name with The XXXX without my consent. 

On XX/XX/year>2025. I became aware of this fraudulent account when I received a notification from a credit report alert, a statement in the mail, Upon reviewing my credit report, I discovered a credit card account listed under my name that I had not authorized or opened. 

Concerned about the situation, I promptly contacted Synergetic Communication customer service at ( XXXX ) During the call, I explained that I did not open the account and that it was fraudulent. The representative I spoke with was helpful, and after reviewing my account, they acknowledged that there was a fraudulent account associated with my name. 

I was instructed to complete a fraud affidavit and provide documentation to verify my identity. I submitted the required paperwork and was assured that the matter would be investigated. However, as of today, XX/XX/year>2025. I have not received any updates regarding the status of my claim or the resolution of the fraudulent account. 

This experience has caused me significant distress and has negatively impacted my credit score.

I am requesting the CFPB 's assistance in resolving this issue promptly. I believe it is essential for financial institutions to take immediate action against fraudulent accounts to protect consumers and prevent further damage. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I pulled my reports and saw some fraudulent hard inquiries and I need them removed 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 2025-04-09 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: VA

Complaint narrative:
I pulled my reports and saw some fraudulent hard inquiries and I need them removed 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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I have tried disputing items with the credit reporting agencies that I believe was not accurately verified. Per 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting the method of verification and description of the procedure used the " verify '' the alleged accounts. I would like to request all documents that was retrieved to prove these accounts are reporting accurately. I am also opting out of any electronic verification device that your company uses such as E-Oscar, etc. If this can not be provided to me please remove the following items from my credit report within 15 days. I also believe this is a violation of 15 USC 1692 ( c ) and a violation of my right to privacy per the FCRA an FDCPA for I did not authorize your company to retrieve or publish any of this information. 
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