vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer : ( 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a lending property account with Forest XXXX XXXX on XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ) that appears to be related to the Forest XXXX XXXX lending account opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 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 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
apartments said the debt was settled. I have not lived in those apartments for years. 
XXXX has come after me repeatedly with false numbers and reports. When I called and asked him to email me a copy of his records and breakdown on my case he hung up on me. 
I have disputed these reports over a dozen times and the debt collector immediately denies the request. 
Due to this collection reported by genesis I have been denied places to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I pulled me credit report because I noticed I was receiving mail and emails from companies that i haven't done business with. Upon pulling my credit reports i notices a number of personal information on my credit report that wasn't correct. Including phone numbers and addresses. I also notice accounts and inquires on my credit reports that i don't know anything about. In pulling my credit reports i also was notified that my information was part of the Equifax Data Breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My BMO credit card accounts were cancelled by the bank without any reason. They would not provide any reasons rather said I would get notified XXXX business days after the account is closed. However as of today, Ive yet received the notice since XX/XX/year>. Now, I also ask, where does it say that unredeemable reward balance will be forfeited since it has not met the redeemable increment. In other words, I have a reward balance of {$XXXX} and I cant redeem until its {$XXXX}. But my account was cancelled by BMO for no reason and I cant earn more to meet the redeemable increment. And therefore, to me forfeiting {$XXXX} dollars is unfair business practice by an institution. And the agent on the phone couldnt answer my question saying where does it say unredeemed reward dollars will be forfeited when the account has been closed by XXXX. It just say upon account closure, all accrued points not redeemed for the account will be available to redeem for XXXX  days as long as account is closed in good standing. Here it doesnt say in {$XXXX} dollar increments, but when you try to redeem it, it wont let you therefore, it just say all accrued points and it contradicts the ability to redeem accrued points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I have over XXXX in unauthorized charges and XXXX has done nothing to resolve it! They keeping coming back after XXXX days saying my claim is denied when in fact someone stole my information and identity! I filed a fraud report as well and some transactions are showing in another state. Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting Account Ending in XXXX Dear Experian, I am formally disputing the continued reporting of account ending in XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and specifically per 15 U.S. Code 1692e ( a ), your actions constitute a direct violation of federal law. 
It has come to my attention that this account was sold to XXXX XXXX XXXX XXXX as early as XX/XX/XXXX, yet XXXX XXXX XXXX has continued to report this account on my credit report for nearly a year. This is unlawful, misleading, and a direct violation of my consumer rights. Your continued reporting of an account you no longer own is deceptive and damaging to my financial reputation. 
Pursuant to my rights under the FCRA, I demand the immediate removal of this account from all consumer reporting agencies. Furthermore, I intend to pursue damages for your gross negligence in allowing this inaccurate information to remain on my credit report, thereby causing me financial harm and distress. 
I request written confirmation of this accounts removal from all credit bureaus within 30 days of receipt of this letter. Failure to comply will leave me with no choice but to seek legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for damages as permitted under federal law. 
I expect your prompt attention to this matter. Please provide written confirmation of your compliance within the specified timeframe. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was targeted by a sophisticated phishing scam impersonating XXXX XXXX. The scam mimicked XXXX XXXX and tricked me into entering my debit card information. {$XXXX} was withdrawn from my Capital One checking account that same day. I reported the fraud and was issued a provisional credit on XX/XX/XXXX. 

Since then, Ive received no meaningful updates. Capital One stated that the case is still under investigation by their back office and that I may have to wait until XX/XX/XXXX, XXXX full XXXX  daysfor resolution. I asked if the case could be escalated but was told no. Im concerned about the possibility of this provisional credit being reversed without proper explanation or due process. 

I have already filed a related CFPB complaint against XXXX XXXX XXXX ( Complaint ID : XXXX ) regarding the phishing scam itself. This complaint is specifically about Capital Ones handling of the dispute, lack of updates, and delay in resolving a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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/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 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MO

Complaint narrative:
Dodge accessed my private data through the department of education. And this is greatly affecting not only my credit score but millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
My XXXX  passed away. XXXX  was behind on her mortgage. I was told by XXXX  attorney  that he would represent me in the matter with the mortgage company. This became a living nightmare. The attorney convinced me to file XXXX  in order to prevent foreclosure when all I wanted to do was pay the mortgage. The mortgage company sent me a Homeowner Packet to apply for a mortgage but I was denied because they said I am delinquent on my mortgage payments. How can this be when I have never had a mortgage with them. The mortgage company has insisted that I pay the reinstatement fee when I personally have never had a mortgage with them. They also want me to pay almost twice the amount the house was sold to my XXXX  for. The house is also in need of great repairs. It needs a new roof, upgraded plumbing and electrical work. It has been XXXX XXXX since I was able to get my XXXX  dismissed and my credit is in good standing. Now the mortgage company wants to hold me accountable for my XXXX  loan if I want to retain the property. If I cant come to an agreement with the company a foreclosure would go against my credit. I only wish to retain the property my XXXX  worked so hard to acquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX recent hard inquiry from capital one. 
I do not have an account with them. One credit check says a loan and the other says bank card. I have not personally authorized any inquiries or signed up for accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Subject : Dispute of Inaccuracies on My Credit Report and Request for Removal Dear XXXX, I am writing to formally dispute the inaccuracies and accounts that do not belong to me on my credit report. Upon reviewing my credit report, I have identified several items that are incorrect and do not reflect my true financial history. As per the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated, corrected, and removed from my credit report. 

Specifically, the following accounts are inaccurate and should be removed : 1. DEPT OF ED/XXXX  Account Number is XXXX XXXX. It is a Student Loan for the total of {$2100.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
2. DEPT OF ED/XXXX  Account Number is XXXX XXXX. It is a Student Loan for the total of {$3700.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account number is XXXX XXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a Capital One credit card but my twin sister XXXX XXXX has. My legal name is XXXX XXXX. 
XXXX. XXXX XXXX  Account number is XXXX  XXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a XXXX credit card but my sister XXXX XXXX has. My legal name is XXXX XXXX These accounts either do not belong to me or contain erroneous information that needs to be corrected. I ask that you conduct a thorough investigation into these items and remove them from my credit report immediately. 

Additionally, under the provisions of the Fair Credit Reporting Act, I request compensation in the amount of {$1000.00} per inaccurate report as outlined in the FCRA, due to the financial harm caused by these incorrect entries. I would appreciate your prompt attention to this matter and request that you provide me with written confirmation of the results of your investigation. 

Please inform me if you require any further information from my side to complete this investigation. I look forward to a prompt resolution of this matter within the 30-day period as stipulated by the FCRA. 

Thank you for your attention to this important issue. I trust that you will act swiftly and in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief