vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : informative research Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Informative Research Inquiry Date : XX/XX/XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : informative research Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Informative Research Inquiry Date : XX/XX/XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MOHELA
State: OH

Complaint narrative:
Reported To The FTC Report number : XXXX I never made Any payment, but it records I made and missed payments

Company response to consumer: Untimely response
Consumer complaint received 2025-05-11 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: CarMax, Inc.
State: OH

Complaint narrative:
Reported To The FTC Report number : XXXX I never made Any payment, but it records I made and missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint due to multiple fraudulent accounts that were opened in my name without my knowledge or authorization. I strongly believe these unauthorized accounts are a direct result of the XXXX data breach, which compromised my personal information. 

The following accounts were fraudulently opened in my name : XXXX XXXX Kohls XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( account and/or lease agreement ) I did not apply for or authorize any of these accounts, nor did I give consent for my personal information to be used. These fraudulent accounts have negatively affected my credit report and have caused significant emotional and financial XXXX 



I am also requesting that all involved parties take the necessary steps to ensure I am not held liable for any charges or obligations related to these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a Borrowers Defense to Repayment Claim with the FSA. In the complaint, I addressed my concerns for being a victim of predatory loans practices, with both myself and my parents. My parents were both highly encouraged to take out these high interest loans through XXXX XXXX and Sallie Mae so that I could attend school. I am still paying on these loans and I have not attended or been enrolled in school since XXXX. I was also told that I would be able to get a job in my field of study shortly after graduating, however, at the time it was not explained to me the additional fees associated with testing, registration and XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my state as well as the yearly fees. Due to these high and unexpected costs, I had to take jobs outside of my area of study to pay for rent, utilities, etc. It has been over 2 years since filing my complaint to have my case reviewed and my loans discharged and I have not received a response from the FSA. I am constantly logging in to check on the status of my complaint, but to this day it still shows as " pending ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My credit issues started with citizens bank. Who stated the wrong amount due for a minimum payment. So when I paid the minimum payment, they did not include a fee that was going to be waived which citizens bank agreed upon and then that fee caused a XXXX  day late. This caused years of damages to my finances. My credit score decreased. Credit lines went down. Disputed many times as I built my credit score up again and as I got in good range citizens bank then closed my account their decision. This closed is also not being properly reported as balance remaining has decreased significantly. 

XXXX  not properly calculating utilization, I have paid significant money towards existing credit lines. I have opened new credit lines that remain empty, and they have not been adjusted to my new income. My utilization still remains high even though lines have been paid done. My credit worthiness and my credit rating is extremely inaccurate as my XXXX missed payment should have been fixed with dispute as a hidden fee that was waived causing a XXXX  day late is UNETHICAL. 
Citizens bank is widely known for bad business practices. Not their customers fault for their over leverage in commercial real estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
Im having a problem with Chime banking, I had over {$5000.00} in my account and my entire checking account was wiped clean by a scammer I believe from a ATM in Texas. I have never been in Texas nor do I know anybody in Texas. I have called Chime banking and tried to dispute these charges. They investigated and determined that there is nothing wrong. I called back again and we disputed these charges again and I provided evidence that I was not in Texas during the times of the charges showing the dates on paperwork and the location where I was at in the hospital which is Indiana The charges started XX/XX/XXXX and lasted until XX/XX/XXXX.. I unfortunately was never receiving notifications on my chime account or to my email as things were changed on my chime banking account app I am requesting help as chime doesnt seem to care about helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email from Capital One stating that my new card is on the way and today, XX/XX/XXXX, I received an email, from my bank XXXX XXXX, that Capital One had a inquiry about my credit score/report with. I didnt apply for a Capital One card at all. I called Capital One and told them I didnt approve of this and Im waiting for my case number for their investigation. I havent, in any shape or form, applied for an new credit card and/loan from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I FILED A CAIM WHT THE FTC. I have sent off dispute 's letters to all the credit bureaus. 
THEV AVE RESOUNED BAK WITH EHE SAME INFOMATION. THTEIR ACOUNTS THAT FROM DEBT COLECTERS THAT HAVE PUCHESED MY DEBT. The bureaus are not removing them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally express my frustration and disappointment with Citis payment processing practices, particularly regarding the lack of support for electronic payments from external banks and the intentional delays in processing paper checks. These practices appear to be designed to generate unnecessary interest charges and late fees at the expense of your customers. 

Unlike many other major financial institutions, Citi does not allow direct electronic payments from other banks. Instead, customers are forced to mail physical checks, a method that is both outdated and inconvenient. This issue is further compounded by Citi 's consistent delays in processing these mailed payments. Despite mailing checks well in advance of due dates, I have experienced multiple instances where payments were not credited until days laterresulting in late fees and accrued interest. 

It is difficult not to view this as a deliberate tactic to penalize responsible customers. This practice undermines trust and gives the impression that Citi prioritizes profit over fair and transparent service. At a time when nearly all other financial institutions facilitate seamless electronic payments, your policies are not only inefficient but also anti-consumer. 

I have spoken to them on XXXX occasions, on XX/XX/XXXX, and XX/XX/XXXX, with the customer service agent being very rude and unable to solve the issue. 

I urge Citi to modernize its payment acceptance systems and stop penalizing customers for delays clearly within your control. I expect a full review of my recent charges and a prompt resolution.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Account XXXX XXXX XXXX  # ending in XXXX Im unaware of this debt and did not have the opportunity to dispute this account. if you believe you send proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature.if not please delete account # ending in XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PA

Complaint narrative:
Please delete following Inquiry from report. 
TRANSUNION XXXX XX/XX/year>2025 XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XXXX XXXX/XXXX/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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Request for Debt Validation and Assignment Case Log Dispute of Alleged Debt Dear, MIDLAND CREDIT MANAGEMENT INC.

This letter is in response to a collection account you have reported to the credit bureaus, which I recently reviewed on my credit report. I am formally requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

Specifically, I am requesting the following : 1. A complete copy of the original signed contract or agreement showing that I have a legal obligation to pay the alleged debt.

2. A full itemized accounting of the alleged debt, including the original balance, any interest or fees, and any payments made.

3. The complete assignment case log that documents the chain of custody or legal transfer of the account from the original creditor to your agency.

4. Proof of your legal authority to collect in my state, including relevant licensing documentation.

5. The name and address of the original creditor, the account number, and the date of the alleged default or charge-off. 

In reference to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Case No. XXXX ), I am aware that courts have found debt collectors to be in violation of the FDCPA when they failed to provide sufficient documentation of the debts assignment. Therefore, I am requesting the assignment case log to determine if your agency has the legal right to collect this debt and report it to the credit bureaus. 

Until you provide the requested documentation, this debt remains in dispute and you are not permitted to continue collection efforts or report it as verified to any credit reporting agency, per 809 ( b ) of the FDCPA.

Please consider this a formal dispute of the alleged debt. If you are unable to validate this debt, I request that you immediately remove it from all credit reporting agencies and cease all collection activities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation