vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
XXXX XXXX appears to have bought a personal loan from XXXX XXXX. Accusing myself for non-payment. I have no memory of ever agreeing to a loan from this company. The amount is XXXX Charge off date is XX/XX/year>. I have appeared in court in my defense XXXX  already. I was presented paperwork with my information but the time and address are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am a victim of identity theft, likely related to the XXXX Equifax data breach. My credit report now includes several fraudulent accounts and incorrect personal information that I did not authorize or recognize. 

Fraudulent accounts include : XXXX XXXX XXXX ( appeared XX/XX/XXXX ) XXXX  ( {$2400.00} ; appeared XX/XX/XXXX ) XXXX XXXX  ( {$1500.00} ; Account # ending in XXXX ; appeared XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( {$16000.00} ; Account # ending in XXXX ; appeared XX/XX/XXXX ) XXXX XXXX XXXX  XXXX  ( {$16000.00} ; appeared XX/XX/XXXX ) My credit report also contains incorrect name variations ( e.g., XXXX XXXX, XXXX XXXX ) and addresses I have never used ( e.g., XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ). 

I have filed an Identity Theft Report with the FTC and begun steps to freeze my credit, dispute these items with the credit bureaus, and secure my identity. I am requesting the removal of these fraudulent accounts and all related inaccurate personal information from my credit file.

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 2025-05-05 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: CA

Complaint narrative:
I am a victim of identity theft, likely related to the XXXX Equifax data breach. My credit report now includes several fraudulent accounts and incorrect personal information that I did not authorize or recognize. 

Fraudulent accounts include : XXXX XXXX XXXX ( appeared XX/XX/XXXX ) XXXX  ( {$2400.00} ; appeared XX/XX/XXXX ) XXXX XXXX  ( {$1500.00} ; Account # ending in XXXX ; appeared XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( {$16000.00} ; Account # ending in XXXX ; appeared XX/XX/XXXX ) XXXX XXXX XXXX  XXXX  ( {$16000.00} ; appeared XX/XX/XXXX ) My credit report also contains incorrect name variations ( e.g., XXXX XXXX, XXXX XXXX ) and addresses I have never used ( e.g., XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ). 

I have filed an Identity Theft Report with the FTC and begun steps to freeze my credit, dispute these items with the credit bureaus, and secure my identity. I am requesting the removal of these fraudulent accounts and all related inaccurate personal information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request to Update and Correct Personal Information ( Address ) To Whom It May Concern, I am submitting this formal request to correct inaccurate personal identification information on my credit file. I am requesting that all outdated, incorrect, or prior addresses be removed and that my current residential address be updated as follows : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The addresses currently reported on my credit file are incorrect and outdated. I no longer reside at those addresses, and their presence has contributed to confusion in my credit history and possible unauthorized activity or misreporting. As required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), I am entitled to accurate and complete information on my credit report. 

I am enclosing the following documentation as verification of my current address : Copy of my government-issued ID with my current address Recent utility bill or lease agreement Previous Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX H XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please update my credit profile to reflect the accurate, current address listed above and confirm this correction in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : XXXX of valid photo ID XXXX of current address

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 2025-05-05 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: IN

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I submitted a balance transfer from a XXXX XXXX XXXX XXXX card to my XXXX XXXX card. XXXX customer support agreed that the transfer was possible and provided an address to send the check on XXXX XXXX. I submitted the transfer and XXXX confirmed they received the check on XX/XX/year>. After taking to XXXX XXXXXXXX, they confirmed the check was cashed on XX/XX/year>. However I have not had my balance on the XXXX card updated at any point. XXXX customer service has been dodging my questions and asking me to wait for updates, despite the check already being cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MS

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 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 2025-05-05 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-05 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:
This is a continuation of CFPB Complaint # XXXX, filed on XX/XX/year>. 

I am filing this follow-up because Equifax falsely claimed they could not verify my identity, despite already receiving complete and valid identification documents with my original dispute via certified mail, delivered on XX/XX/year>. 

I included : A copy of my Social Security card A government-issued ID A utility bill confirming my current address Equifax sent a letter claiming that my identity could not be verified and that I must resend documents. This is clearly a bad-faith delay tactic and a violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which requires a credit bureau to conduct a reasonable investigation within XXXX  days of receiving a valid dispute. 

Equifax has already exceeded the XXXX period, despite being in possession of everything required. I have proof of delivery and tracking confirmation, and I am resending my documentation again as a courtesy, but I am also requesting that no further delays be allowed. 

The accounts in dispute remain inaccurate and unverified : XXXX XXXX XXXXXXXX XXXX XXXX Account # # # # # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # # # # # XXXX XXXX XXXX XXXX XXXX DBA XXXX Account # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX Account # # # # # XXXX XXXX XXXX XXXX XXXX Account # # # # # XXXX Equifax 's refusal to conduct a timely investigation has caused me emotional distress, denial of housing, and higher interest rates. I am requesting that the CFPB hold Equifax accountable under the FCRA, and I reserve the right to pursue legal action for statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX BANK Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX  LLC Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9500.00} Account Name : XXXX  MAST Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX BANK Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
As per subsections ; 12 USC 1431, 42 USC 408, 15 USC 1602g, UCC 3-104, and 31 USC 5118 I ascribe to company XXXX Bank Michigan XXXX Indiana XXXX desist from reporting on my credit report immediately to avoid a law suit. The company is changing their statement in a telephone conversation with me ( XXXX XXXX ) approximately XXXX weeks ago regarding my repossession payment of almost {$3000.00}. I would like CFPB to reign in this cooperation and stop these insane injustices on low income Americans. I urge CFPB to look into irregularities and stop this evil acts and to

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 2025-05-05 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: FL

Complaint narrative:
As per subsections ; 12 USC 1431, 42 USC 408, 15 USC 1602g, UCC 3-104, and 31 USC 5118 I ascribe to company XXXX XXXX  Michigan XXXX Indiana to desist from reporting on my credit report immediately to avoid a law suit. The company is changing their statement in a telephone conversation with me ( XXXX XXXX ) approximately XXXX weeks ago regarding my repossession payment of almost {$3000.00}. I would like CFPB to reign in this cooperation and stop these insane injustices on low income Americans. I urge CFPB to look into irregularities and stop this evil acts and to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
As per subsections ; 12 USC 1431, 42 USC 408, 15 USC 1602g, UCC 3-104, and 31 USC 5118 I ascribe to company XXXX Bank Michigan XXXX Indiana XXXX XXXX from reporting on my credit report immediately to avoid a law suit. The company is changing their statement in a telephone conversation with me ( XXXX XXXX ) approximately XXXX weeks ago regarding my repossession payment of almost {$3000.00}. I would like CFPB to reign in this cooperation and stop these insane injustices on low income Americans. I urge CFPB to look into irregularities and stop this evil acts and to

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 2025-05-05 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:
Equifax is listing a former name XXXX XXXX XXXX, an outdated address at XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, and an old employer, XXXX XXXX. These entries are no longer accurate and their continued presence contributes to the possibility of identity confusion or mixed filesespecially if my identity has been compromised during a past data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX A ) # XXXX XX/XX/XXXX - Balance : {$700.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-05-05 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: CT

Complaint narrative:
I had someone get into my XXXX account, still not sure how. My Capital one card was on file. Things were purchased and sent all over the USA to all different states, my password was changed and even the name on my XXXX was changed locking me completely out. 

I showed this in my dispute to capital one and they decided " no error was made '' really??? Do they get kick backs for denying claims or something?? this is completely insane XXXX is one of the claim numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Had to make several calls to even get to a person. After several representatives attempting to help I asked for a supervisor. After XXXX minutes on XXXX call I was able to get the supervisor to lock the card I still havent received. Called again and obtained a representative who completely misunderstood all I say. Tried to work with them, however the issue became so convoluted I again asked for a supervisor. XXXX comes on the line and the call was disconnected by the first representative. XXXX never called me back. So, i call again and now XXXX cant even reach a person and am waiting for a call back from them. I will ask for a supervisor and file a complaint. I am now considereing filing fruad charges as well.

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 2025-05-05 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-05-05 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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