vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Hard Inquieres 1. XXXX  ( XX/XX/year> ) 2. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a Sr. or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding the improper and premature repossession of my vehicle. 

On XX/XX/XXXX, I received a certified mail Notice of Default and Intent to Accelerate related to my auto loan ( Account ending in XXXX ) for my XXXX XXXX XXXX XXXX, Collateral ID : XXXX. The notice clearly stated that I had until XX/XX/XXXX to pay the past due amount of {$3400.00} to avoid any further action. 

However, my vehicle was repossessed on XX/XX/XXXX, three days before the stated payment deadline. I received no warning or communication that repossession would occur before XX/XX/XXXX. 

Additionally, Bank of America has falsely claimed that they tried to contact me regarding missed or partial payments. This is untrueI was never contacted by phone, email, mail, or any other method about any delinquency before receiving the notice dated XX/XX/XXXX ( received on XX/XX/XXXX ). There were no prior warnings, payment plan offers, or courtesy calls. 

Their actions not only contradict their own written deadline but also may constitute bad faith, unfair practices, and possible violations of the Fair Debt Collection Practices Act ( FDCPA ) or Texas consumer protection laws, as the repossession occurred in Texas, where I reside. 

I am requesting the CFPB to investigate this matter, assist in holding Bank of America accountable, and help me recover any repossession fees or damages resulting from this wrongful action.

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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to formally dispute an account listed on my credit report that is currently in pending litigation. This account is inaccurately reflected, and I need it removed from my credit report immediately.

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 2025-03-25 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 noticed a hard inquiry from XXXX on my Equifax report dated XX/XX/year> that I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to respectfully request the removal of a fraudulent credit inquiry that appears on my TransUnion credit report. 
This inquiry was not authorized by me and seems to be a result of identity theft. 
As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly ask you block this inquiry from my credit file. 

Details of the Disputed Inquiry : Date of Inquiry and Creditor Name : XXXX XX/XX/year> 2025

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 2025-03-26 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute student loan accounts that Nelnet claims are valid and serviced on behalf of the U.S. Department of Education. Despite my repeated requests for verification, Nelnet continues to assert the legitimacy of these accounts by referencing documents that do not contain my physical or digital signature authorizing any such loans. 
Nelnet has provided copies of Master Promissory Notes ( MPNs ) allegedly signed by me in XX/XX/XXXX and XX/XX/XXXX. However, I have reviewed these documents thoroughly, and nowhere do they include a signature from me agreeing to repay any loan. While the documents mention the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), there is no unique digital signature or FSA PIN authentication explicitly tied to me within the materials Nelnet provided. 
The U.S. Code under 15 U.S. Code 1681b prohibits the use of consumer credit information without proper authorization. The absence of my verified signature either physical or authenticated digital renders their claim unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a Sr. or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MT

Complaint narrative:
I recently was diagnosed with XXXX and my immune system weakened resulting in me becoming very ill repeatedly over a few months I intermittently had family staying with me to care for me and my children. During this time frame I often times was so I'll I was bed bound for weeks. My XXXX XXXX XXXX XXXX took turns staying and caring for me and my XXXX, my XXXX  during this time had access to my phone to watch shows on and play games. On XX/XX/year> I noticed one of my accounts ( not the account associated with this complaint ) was depleted quick drastically I disovered multiple repeated charges that I did not make that had not been authorized by me. I informed my bank and secured my account and filed a police report. After further inspection on XX/XX/year> it was discovered my cash app account also had online XXXX purchases thar where not mine. I reported this to cash app and within less then 24 hours they sent an email denying my dispute as fraud. I questioned my sister and ex-husband about the charges considering they would have had access to my phone with all my account info via my young children they denied making the charges. Due to the police investigating my sister did admit she used my XXXX account to make purchases without my authorization and denied making charges from the other account. Due to the amount of charges from multiple accounts I decided to press criminal charges as my sister has done this to others in the past. I called XXXX and was asked by XXXX to have cash app handle the charges. I called cash app to inform them that she admitted to fraud acting as if she was me to make purchases with my cash app card linked to my phone and online XXXX account and requested they recover the stolen funds they refused they refuse to speak to the office assigned to my police report, my attorney or me. When asked to provide documents of information they used to Support the denial of what is without question fraud and theft. They provided a list of my transactions?? I made purchases during this time that where authorized that makes no sense. I am a single mother with XXXX and have been victimized by fraudcand theft for a large sum of money. Cash app closed my account and refuses to recover my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a collection account that is inaccurately reported on my credit file. This collection account does not belong to me, and I have no recollection of any agreement with the collection agency in question. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-03-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-03-25 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: CCS Financial Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST XXXX OF SSN # XXXX XXXX : XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a f f i d a v i t Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company .. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting i n a c c u r a t e i n f o r m a t i o n. A 1.l a m asking for the original appli
cation bearing my signature 2. Method of verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for t h e allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these XXXX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... l would like these accounts deleted immediately!!!!! within 30days of this letter...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: NJ

Complaint narrative:
Around XXXX of last year I got a ding on my credit for XXXX $ for a mortgage company in XXXX. I was not living in XXXX at the time. I did live in XXXX  briefly in XXXX. But the dates do not match. I was in XXXX, I didnt sign anything. Ive called, I requested proof and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
This account with Exter Finance has been charged off and settled. I received a 1099C in the mail, meaning that Exter Finance is aware that I no longer owe on this account, but it is currently reflecting negatively on my credit report. I had to file this charge off as income. FCRA prohibits income from being reported on a credit report, furthermore it violates 15 U.S.C 1681 ( e ) B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
You are reporting XXXX different balances for the same account. This account was never verified which is apparent from the varying balances of {$210.00} and {$250.00}. Please see the attached FTC report and remove the following account from my credit report due to FDCPA violations : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

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 2025-03-25 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: SC

Complaint narrative:
I am a victim of XXXX XXXX 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: AL

Complaint narrative:
Hello, I was notified by mail years ago that I owed this company XXXX dollars. We had fraudulent activity in our bank account which we had to close. I contacted this third party Cedars Business to see what information they had of mine, told them it was fraudulent related and that we also completed a police report. Cedars did not have 100 % accurate personal info of myself and was told by the rep. that they would close the XXXX due to it not being accurate. 
This same company went after my husband years ago and it took him coming here to the CFPB to get them to stop coming after him and ruining his credit for something he didnt owe. 

I do not owe any money to XXXX XXXX or to Cedars Business. 

My credit has taken a major hit due to them filing in XXXX  that I owe XXXX and now show derogatory marks on my credit reports. 

I want this resolved now otherwise I am going to get my local congressman involved. 

Thanks so much

Company response to consumer: Closed with explanation