vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
A man went to an old address I lived in with a court citation. I had not lived at this address for at least XXXX years.I owe {$2500.00} for a XXXX XXXX whom I had an issue of someone trying to purchase a laptop and since they didnt help me I stopped making payments.I set up a payment plan since I got scared because I am currently in XXXX school and having a citation really scared me as I have no law offenses.I called and spoke to the office I had to pay about {$550.00}. And now I have to pay XXXX a month until this is paid .It is very hard as I am a single mother and trying to pay for XXXX school alone is hard.I tried to have a lower payment and it couldnt be lowered according to the office.After that I still got a letter from the court stating I didnt appear on the date when the XXXX dollar payment was supposed to be communicated by this office to the court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Federal Court Settlement - XXXXXXXX XXXX ( XX/XX/XXXX ) Bureaus : Not updated regarding ID Theft/Fraud Freeze. 

XXXX Credit Freeze Removed and credit file update requested as of Court date XX/XX/XXXX. 


TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX North American Headquarters *CFPB Settlement Issue Experian XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Reporting Bank : XXXXXXXX XXXX  - XX/XX/XXXX ( Fiduciary Theft ) Bank certified bank check lost upon deposit ( {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX Legal Department Complaint # XXXX XXXX XXXX XXXX XXXX , NC 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 2025-04-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Federal Court Settlement - XXXXXXXX XXXX ( XX/XX/XXXX ) Bureaus : Not updated regarding ID Theft/Fraud Freeze. 

XXXX Credit Freeze Removed and credit file update requested as of Court date XX/XX/XXXX. 


TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX North American Headquarters *CFPB Settlement Issue Experian XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Reporting Bank : XXXXXXXX XXXX  - XX/XX/XXXX ( Fiduciary Theft ) Bank certified bank check lost upon deposit ( {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX Legal Department Complaint # XXXX XXXX XXXX XXXX XXXX , NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$22000.00} & XXXX XXXX XXXX Balance : {$22000.00}

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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive noticed that I have been a victim of identity theft when I checked my credit report and saw fraudulent accounts opened up without my consent. I have filed a identity theft report with the FTC and filed a police report Account name XXXX XXXX XXXX XXXX ACCOUNT NUMBER 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 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They claim they are working on it. I've not had access to my bill pay account for approaching a full month and I have called them at least XXXX times to straighten the matter out but to no avail. 

It's the account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The XXXX  XXXX credit card is still reporting to my credit, and I filed it under bankruptcy in 2020. They are reporting the account in question, which was closed in 2017.If there is anther account since then it was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX XXXX credit card is still reporting to my credit, and I filed it under bankruptcy in 2020. They are reporting the account in question, which was closed in 2017.If there is anther account since then it was open fraudulently.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The XXXX XXXX XXXX XXXX is still reporting to my credit, and I filed it under bankruptcy in XXXX. They are reporting the account in question, which was closed in XXXX.If there is anther account since then it was open fraudulently.

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 2025-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX This letter is in response to a phone call I received. I am requesting that you provide verification of this debt. I am requesting this information in accordance to the XXXX Fair Debt Collection Practices Act. Please cease and desist all calls until verification have been sent. I am entitled to a through investigation. 

Please send the following information : The name and address of the original creditor, the account number and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed, with a wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2025-04-12 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my 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 explanation
Consumer complaint received 2025-04-12 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 vitcim of identity theft. I went today to apply for a loan and found there several accounts and inquiries that I didnt give authorization or permission to open! This has really impacted my life and well being because im not able to provide for my family or accomplish the goals i want to in life. Inquires are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: SC

Complaint narrative:
I am a vitcim of identity theft. I went today to apply for a loan and found there several accounts and inquiries that I didnt give authorization or permission to open! This has really impacted my life and well being because im not able to provide for my family or accomplish the goals i want to in life. Inquires are as follows : 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

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I want to file a complaint against Capital One. They closed all of my credit card accounts without notifying me. They closed my checking and savings accounts, as well. I was unable to retrieve any money that was in my accounts. I was up-to-date on all payments when they made the decision to close all of my accounts.

I have not received a reason why they closed my accounts from them, or received my remaining funds that were in my savings account. 
I had a Capital One Walmart card, along with two other Capital One credit cards. I also had a checking and savings account with Capital One. I don't think the way Capital One closed my accounts was done properly if they were in good standing and paid up. Closing all my accounts hurt my credit score, which I think is unfair. Please remove these accounts because it was not my doing that caused them to be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I am filing this complaint to dispute a voluntary repossession listed on my credit report, which I believe is inaccurate, misleading, or incomplete. The repossession account appears on my credit report. This voluntary repossession is negatively affecting my credit profile. However, I have reason to believe that the information being reported is either, Not verified properly, Incomplete or inaccurate, or In violation of the Fair Credit Reporting Act ( FCRA ) or other relevant consumer protection laws. I have previously contacted the creditor and the credit bureaus to request a full investigation and validation of the account, but the issue remains unresolved. As a consumer, I have the right to ensure all items reported about me are 100 % accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize this inquiry XXXX. XXXX XXXX Date of inquiry : XX/XX/25 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/25 XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/25 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/25 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/25 XXXX. XXXX XXXX Date of inquiry : XX/XX/25 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/25 Please remove it from my credit report. 
The following inquiry is more than two years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General office, should you continue in your non-compliance. Please note that you have 30 days to complete this investigation.

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 2025-04-12 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: LA

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 explanation
Consumer complaint received 2025-04-12 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:
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am formally disputing the validity of a collection account currently reported by Southwest Credit System on my credit report. I recently reviewed my credit reports in preparation for purchasing a home and was shocked to discover this collection account. I previously had an account with XXXX ; however, I requested its cancellation and received confirmation via email that my request had been honored and that my balance was {$0.00}. Per Comcast 's instructions, I also returned all required equipment. Since that time, I have never received any calls, texts, or emails indicating that there was an outstanding balance on my account. This collection account is negatively impacting my credit and preventing me from securing a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : ( XXXX ) XXXX Subject : Formal Dispute of Fraudulent Debt & Identity Theft Claim Account Number : [ XXXX ] T

o Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account. I am a victim of identity theft, and I did not authorize or open this account. Under federal law, you are required to cease collection activities on fraudulent accounts and investigate my claim thoroughly. Legal Basis for My Dispute : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Under Section 605B of the FCRA, I have the right to block fraudulent information resulting from identity theft from appearing on my credit report. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I am requesting validation of this debt, as is my right under Section 809. I dispute this debt in its entirety. You must provide documentation bearing my signature or valid evidence that I incurred this debt. Identity Theft and Assumption Deterrence Act of 1998 Identity theft is a federal crime. Continuing to collect or report a debt that results from identity theft without proper investigation or verification may be considered willful noncompliance with federal law. Required Actions : Cease all collection activity immediately. Do not sell, assign, or transfer this debt to any third party. Remove any reports of this debt from all consumer reporting agencies ( XXXX, XXXX, XXXX ). 

Please provide written confirmation that this matter has been fully resolved, the account has been permanently closed, and no further collection activity will occur. Additionally, I request that this confirmation be sent to me in writing and via email.

As you have failed to properly validate this debt and continue to pursue collection efforts, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
A man went to an old address I lived in with a court citation. I had not lived at this address for at least two years.I owe {$2500.00} for a Discover care whom I had an issue of someone trying to purchase a laptop and since they didnt help me I stopped making payments.I set up a payment plan since I got scared because I am currently in XXXX XXXX and having a citation really scared me as I have no law offenses.I called and spoke to the office I had to pay about {$550.00}. And now I have to pay XXXX a month until this is paid .It is very hard as I am a XXXX XXXX and trying to pay for XXXX XXXX  alone is hard.I tried to have a lower payment and it couldnt be lowered according to the office.After that I still got a letter from the court stating I didnt appear on the date when the XXXX dollar payment was supposed to be communicated by this office to the court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation