vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I currently have a loan with XXXX, but I have been locked out of my account and can not access any information about my loan. I can not view my balance, payment history, interest rate, or scheduled payment dates. Despite this, XXXX  continues to automatically withdraw payments from my bank account every two weeks.

I have attempted to regain access to the account without success. I have not been provided with a full account statement or breakdown of payments, and I have no way to monitor or manage the account. This lack of transparency and access is unacceptable, especially when funds are being withdrawn regularly.

I am formally requesting that XXXX  restore access to my account, provide a full statement including total payments made and remaining balance, and honor my right to revoke any future automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Here is the letter that I sent to chase it describes everything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> To : Chase Bank Executive Complaints Office Subject : Urgent Complaint and Claim Regarding Mishandling of U.S. Treasury Check and Account Closure To Whom It May Concern : I am writing to formally file a complaint regarding my recent experience with JPMorgan Chase Bank. I opened a checking account and deposited a U.S. Treasury check issued as an amended tax refund. After the check cleared and funds became available, my account was abruptly closed without warning or explanation. 

This action has caused severe disruption in my life : I was unable to access the remaining funds, which I need to pay rent and essential bills. 

I was falsely implied to have committed fraud, despite the Treasury Department having verified the check 's authenticity. 

To date, I am still waiting for a cashiers check refunding the balance. 


Chase Bank has not provided : Any written notice of the account closure A valid explanation or documentation Timely return of my funds This situation has caused me financial hardship, emotional distress, and damage to my reputation. I demand the immediate release of my remaining funds, a written explanation, and an apology for the wrongful handling of this matter. 
If this issue is not resolved within 7 business days, I will be forced to escalate this complaint to regulatory and legal channels, including the CFPB, OCC, and possibly state consumer protection authorities.

Please confirm receipt of this letter and contact me as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed a fraud complaint and they failed to investigate properly. They told me reason my claim was denied was due to a electronic payment made to XXXX however I told them twice this was done online with a card on file I told them my physical card was missing but I had XXXX XXXX  and XXXX  had my card on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have the Verizon Credit card by Synchrony. I earn points each month when I use it to pay my bill. The points show on my credit card page but when I got to redeem them it takes me to another page that shows I have no points available. I have contacted both Verizon and Synchrony multiple times through phone calls, and online chat functions. No one has been able to help. One possible reason for this issue could be that I had a lapse in my Verizon phone account as I went to another company for about a year. I never canceled my Verizon credit card. Then I came back to Verizon and have been with them for almost 3 years now. I suspect that moving from one account to another could be a contributing factor. My issue is that no one from Verizon or Synchrony will respond to help.

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 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TN

Complaint narrative:
I want to file a complaint against block , inc company. They are the payment process for give fund go a company who lets known XXXX and white supremacists raise money. This is against XXXX XXXX 's policy and code if conduct. A woman who's was named publicly XXXX XXXX was captured on video XXXX XXXX XXXX XXXXXXXX at a XXXXXXXX XXXX child and then went on give fund go to raise money. It is a violation of block , inc to pay her the money rised because it is attached to a XXXX incident. If block inc pays the funds to this known XXXX I will join a class action lawsuit against block inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXXXXXX 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to report the concerning business practices of a company known as XXXX XXXX  '' which, on XX/XX/year>XXXX appears to have completely abandoned its obligations to its customer base. At the time of purchase, " XXXX '' explicitly promised XXXX live customer support and exclusive website features, neither of which were delivered as advertised. Furthermore, the promised XXXX live support is no longer available, and the merchant has become entirely unresponsive through all channels. Despite providing Capital One with clear and irrefutable evidence of this merchant abandonment, including phone logs and email correspondence demonstrating both the unfulfilled promises and the lack of any response from " XXXX, '' Capital One continues to insist that it is my responsibility to work directly with this unreachable entity to obtain a refund. This is an utterly impossible request given the merchant 's demonstrated unwillingness to engage. Furthermore, Capital One has provided inconsistent dispute resolutions, resolving some cases in my favor while saying I am responsible for other charges. The same evidence was provided to all disputes and the disputes were all for the same reason. Further to my previous communications, I spoke with a Capital One representative this morning, XX/XX/year>, at approximately XXXXXXXX XXXX  EST. During our conversation, the representative acknowledged the inconsistency in the handling of my disputes related to " XXXX. '' He agreed that it logically does not make sense for some of these cases to be resolved in my favor while others, concerning the same merchant, the same underlying issue of unfulfilled promises, and supported by identical evidence, have been closed against me. This acknowledgment from your representative underscores the problematic and contradictory nature of the decisions made regarding these claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to report the concerning business practices of a company known as " XXXX '' which, on XX/XX/year>, appears to have completely abandoned its obligations to its customer base. At the time of purchase, " XXXX '' explicitly promised XXXX live customer support and exclusive website features, neither of which were delivered as advertised. Furthermore, the promised XXXX live support is no longer available, and the merchant has become entirely unresponsive through all channels. Despite providing Wells Fargo with clear and irrefutable evidence of this merchant abandonment, including phone logs and email correspondence demonstrating both the unfulfilled promises and the lack of any response from " XXXX, '' Wells Fargo continues to insist that it is my responsibility to work directly with this unreachable entity to obtain a refund. This is an utterly impossible request given the merchant 's demonstrated unwillingness to engage. Compounding this issue, my initial interaction with a Wells Fargo employee regarding this dispute was marked by combative behavior and a clear lack of concern for my best interests as a consumer. I urge anyone reading this to call XXXX ( XXXX ) XXXX XXXX XXXX customer support phone number ( that is still to this day sent out in their auto-generated email responses ) and see if they seem like a responsive merchant.

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 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently pulled up my XXXX XXXX XXXX XXXX  credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Name : Portfolio Recovery Associates Original Creditor : XXXX XXXXXXXX Account Number : XXXX Furthermore, you also reported inconsistent and inaccurate information in my consumer report. 

Once again, I, XXXX XXXX, is giving your company 10 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 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 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 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 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 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 explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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.

Company response to consumer: Closed with non-monetary relief