vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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 am submitting this formal complaint against XXXX ( XXXX XXXX ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the XXXXXXXX XXXX XXXX XXXX XXXX  ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various XXXXXXXX XXXX, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with Experian, XXXX, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the XXXX since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the XXXX between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent XXXX address since XXXX has remained in XXXX, IL. 

I have filed an identity theft report with XXXX and submitted extensive documentation to XXXX XXXX in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card Passport copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

XXXX  Failure to Act Despite this overwhelming evidence, XXXX remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe XXXX is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent XXXX account were made in person. I have requested that XXXX : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that XXXX immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-08 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 am submitting this formal complaint against XXXX ( XXXX XXXX ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the XXXXXXXX XXXX XXXX XXXX XXXX  ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various XXXXXXXX XXXX, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with XXXX, TransUnion, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the XXXX since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the XXXX between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent XXXX address since XXXX has remained in XXXX, IL. 

I have filed an identity theft report with XXXX and submitted extensive documentation to XXXX XXXX in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card PasspoXXXX copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

XXXX  Failure to Act Despite this overwhelming evidence, XXXX remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe XXXX is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent XXXX account were made in person. I have requested that XXXX : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that XXXX immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DISCOVER BANK
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I XXXX XXXX am formally disputing any and all debts that SOUTHWEST CREDIT SYSTEM say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between SOUTHWEST CREDIT SYSTEM the original creditor, proving legal authority to collect this debt.

3. Proof that SOUTHWEST CREDIT SYSTEM is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information. 

SOUTHWEST CREDIT SYSTEM has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, SOUTHWEST CREDIT SYSTEM has no legal authority to collectt or report this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have been contacted by a company that I do not know for several months. There has been repeated phone calls, text messages and phone calls from various numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I would like to formally express my concern regarding a series of recent developments in the financial services industry that have resulted in multiple lawsuits being filed against various institutions. As a consumer, I am deeply troubled by reports of questionable practicesincluding hidden fees, deceptive lending terms, and other unfair practicesthat not only undermine consumer trust but may also violate established consumer protection standards.

Recent news articles and legal actions suggest that several financial institutions may be engaging in behavior that jeopardizes the financial well-being of their customers. These practices appear to be widespread and potentially systemic, raising serious concerns about the overall integrity of the industry. I believe that such actions are contrary to the consumer rights that the CFPB is charged with protecting, and I feel compelled to bring this issue to your immediate attention. 

I respectfully request that the CFPB initiate a thorough investigation into these matters. Specifically, I urge your office to examine whether these practices violate any applicable laws or regulations designed to protect consumers. In addition, I would appreciate any guidance on how affected individuals like myself might safeguard our interests while this investigation is underway. 

Thank you for your prompt attention to this serious matter. I trust that your office will take appropriate steps to address these concerns and help ensure that consumers are not further disadvantaged by exploitative practices within the financial sector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I would like to formally express my concern regarding a series of recent developments in the financial services industry that have resulted in multiple lawsuits being filed against various institutions. As a consumer, I am deeply troubled by reports of questionable practicesincluding hidden fees, deceptive lending terms, and other unfair practicesthat not only undermine consumer trust but may also violate established consumer protection standards.

Recent news articles and legal actions suggest that several financial institutions may be engaging in behavior that jeopardizes the financial well-being of their customers. These practices appear to be widespread and potentially systemic, raising serious concerns about the overall integrity of the industry. I believe that such actions are contrary to the consumer rights that the CFPB is charged with protecting, and I feel compelled to bring this issue to your immediate attention. 

I respectfully request that the CFPB initiate a thorough investigation into these matters. Specifically, I urge your office to examine whether these practices violate any applicable laws or regulations designed to protect consumers. In addition, I would appreciate any guidance on how affected individuals like myself might safeguard our interests while this investigation is underway. 

Thank you for your prompt attention to this serious matter. I trust that your office will take appropriate steps to address these concerns and help ensure that consumers are not further disadvantaged by exploitative practices within the financial sector.

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 2025-02-08 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 dispute certain credit inquiries and accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 
1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XX/XX/year>, XXXX XXXX inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these disputed inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
Please include me in your class action lawsuit against this company see my numerous disputes regarding the same inaccuracy and incompleteness. 

After 24 months of disputes all three cra is still reporting different information about the same accounts and they all say they are accurate. 

All different reporting about the same account on three reports which is inaccurate I am ready to initiate litigation and use all three reports as exhibit A. This has damaged me and caused me stress and anxiety. Compensatory and punitive damages I think is a remedy Ill accept See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point I have built a documentary evidence case against all three cra.

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 2025-02-08 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.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 2025-02-08 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: AL

Complaint narrative:
Letter of verify sent to these companies XX/XX/scrub>/2024 no answers XXXX XXXX account number XXXX XXXX account number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized accounts appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief