vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
b'On several occasions I have been contacted by an anonymous number claiming to be a process server for the county or marshals service and I am being sued in an action. Someone claiming to be a lawyer or paralegal trying to collect a debt from a Bank of America credit card from 2007. This appears to be a phantom debt collector trying to collect on long dead paper they probably got for free because they cannot afford legitimate leads and are perpetrating as a law firm. The number I was given referred me to XXXX\nThat number was XXXX XXXX XXXX. The caller claimed to work for XXXX XXXXXXXX Washington as a process server. When I called the number the person claiming to be a paralegal in Illinois said they were attempting to file a bank leverage and seize accounts. He had a matter of factly attitude and played smart but did not have the legal education to speak competent on the subject. It was like listening to a bad episode from XXXX XXXX XXXX.  He was clearly an actor. The number on there obvious front site is XXXX XXXX XXXX. No state BAR numbers or company details. A quick whois lookup of their site shows clear camouflage compared to a legitimate law firm.\nI called them on site number and the I was transferred to same actor and he said "Good Luck." and called me a bum. Saying I do not pay my debts. That is not what XXXX XXXX says. I am quite aware of my lawful standing. The actor mentioned XXXX  which I have never dealt with. That is suspicious also but it appears he was trying to act big for his room claiming the call was being recorded.\nThe coincidental issue is that I have been receiving various forms of harassment for a couple of years now to the point of XXXX XXXX. I would appreciate it if someone would follow up and contact me.'

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
THE REPRESANTATIVE THAT CALLED DID NOT ADVISE ME OF THE ABILITY TO DISPUTE THIS DEBT WHICH I HAVE NO RECOLLECTION OF, AND USED ABRASIVE AND CONDESENDING TONES TO BADGER PAYMENT, She asked me to verify personal information which i do not communicate over the phone to unknown callers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, Im reaching out to request an urgent correction to the personal information listed on my credit report. The current details are inaccurate and have been interfering with my ability to get approved for credit, which has been incredibly frustrating and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I have decided to invoke my rights under the FCRA, primarily 15 USC 1681-2 ( a ) and ( c ), also FCRA regulation 15 USC 1681-B. I am demanding the immediate removal of the accounts listed in this report about my credit report. These accounts were added without my written consent, thus violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without my direct authorization. The lack of my consent now renders these listings both unauthorized and potentially indicative of identity theft. So, I'd like to ask for the prompt deletion and permanent removal of ALL the referenced accounts in this claim.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I got pre-approved for a capital one card that I didnt apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-23 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX - date filed XX/XX/year>XX/XX/XXXXXXXX bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-23 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX - date filed XX/XX/year>XX/XX/XXXXXXXX bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IN

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 2025-04-23 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: CA

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-04-23 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:
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 2025-04-23 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:
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 2025-04-23 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: NJ

Complaint narrative:
This is not a mistakemy credit report contains serious inaccuracies that fall short of the required standard of accuracy. These errors are causing ongoing harm and stress. I urgently request they be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my Citi MasterCard was fraudulently charged a total of {$3400.00} over ten different transactions, ranging from {$7.00} to {$2500.00}. CitiBank reached out to me, and I went through all of my purchases during that time period with the representative to identify the fraudulent charges. I was told that they would be investigating the matter. In XXXX, they sent me a letter dated XX/XX/XXXX that they did not receive sufficient information on me, that the information that they had on had wasn't sufficient to resolve the dispute in my favor, and that the dispute has been closed.

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 2025-04-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: EAGLE BANCORP, INC.
State: FL

Complaint narrative:
The rep XXXX was extremely rude and I am just trying to access my account and make changes. Your reps do not respect customers Because of this rep I cant not access my account due to the issues form the website This is unbelievable unacceptable and I need eagle bank to resolve this issue asap How do you have reps like this in your company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: ID

Complaint narrative:
Overnight my credit score dropped over XXXX points. My payment history shows as excellent on my report, but my credit score still dropped drastically for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-04-23 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is illegally reporting and denying my right to investigate and dispute the account they placed on my credit report Account # XXXX I asked the company to provide proof of original contract ; valid ownership of debt ; my legible signature agreeing to said contract ; and they responded they did not have to investigate frivolous claims, even with an FTC Report . This is against FCRA regulations as they are not reporting with maximum accuracy nor upholding my right to investigate whats being reported. No one is willing to speak to me at the company I can only get answers through snail mail.

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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I borrowed {$1000.00} from Lendumo and when the payment was deducted from my checking account I contacted them and discovered that I was being charged 400 % interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
Subject : Request for CFPB Assistance Fraudulent Accounts on Equifax Credit Report Due to Data Breach Dear CFPB, I am writing to request your assistance regarding fraudulent accounts that have appeared on my Equifax credit report as a result of the Equifax data breach. I did not authorize or open these accounts.

I submitted a dispute to Equifax requesting removal of these fraudulent entries. However, Equifax responded stating the accounts were verified without providing any explanation or evidence.

I am asking the CFPB to help me request that Equifax disclose the method of verification used to confirm the legitimacy of these accounts. I request that Equifax provide this documentation within 15 days. If they are unable to do so, I am requesting that the fraudulent accounts be blocked and permanently removed from my Equifax credit report in accordance with the FCRA. 

Thank you for your assistance in protecting my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-23 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-04-23 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: NE

Complaint narrative:
CFPB Complaint Letter To Whom It May Concern, I am submitting this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to ensure accurate reporting, provide proper documentation, and conduct lawful reinvestigations. I submitted formal disputes on the following accounts, but Equifax responded by immediately updating the reports without verifying the information or providing any proof, in violation of FCRA 611 ( a ). 

The following accounts are being reported inaccurately XXXX ( 6 Accounts ) Late Payment Reporting ( Student Loans Account # XXXX ) Each student loan account shows late payments after forbearance periods and contains inconsistent reporting. No supporting documentation has been provided. This violates : - FCRA 607 ( b ) Maximum possible accuracy - FCRA 609 ( a ) ( 1 ) Right to documentation and source of information - FCRA 611 ( a ) Failure to conduct a proper reinvestigation Collection Accounts ( 7 Accounts ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection Acct : {$2000.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Collection Acct : {$1400.00} ) XXXX. XXXX XXXX XXXX ( Collection Acct {$540.00} ) XXXX. XXXX XXXX # XXXX ( Collection Acct {$2500.00} ) XXXX. XXXX XXXX # XXXX ( Collection Acct {$110.00} ) XXXX XXXX XXXX XXXX XXXX : ( Collection Acct {$430.00} ) Each of these accounts reports static balances, lacks evidence of ongoing collection efforts, and has no documentation to verify the debt, in violation of FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). 

XXXX XXXX XXXX XXXX ( Charge-Off : {$7000.00} ) XXXX XXXX XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX ( Charge-Off ) This account is reporting repeated monthly charge-off statuses from XXXX through XXXX, with no post-charge-off activity and no explanation for increased balances. This is misleading and violates : - FCRA 607 ( b ) Maximum possible accuracy - FCRA 609 ( a ) ( 1 ) Right to source and verification - FCRA 611 ( a ) Failure to investigate I respectfully request that these entries be deleted from my credit report in accordance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief