vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I spent 17 years finding ways with XXXX XXXXXXXX XXXX  state agencies to acknowledge a systemic issue that has existed mis documented as fraud n abuse by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX even so XXXX so thst this is same homediffrent addressin home where i have never resided or legitimized as a mailing address m usps postal service knows i cabt eveb physically reside or recieve mail at that address as its lock m key n i am nit XXXX  as anything but a trssspasser n never been a lnowledged by said tenant in lease, or to state local federal government as a key holder or lease its literalky against tge law I CANR POSSIBLY RESIDE THERE AS I CAN BE ARRESTED IMMEDIATLY AD THE TEBANT IS A FEDERAL XXXX  XXXX or subdadized temamt m never mind that the tenant herself has nevet acknowledged me as a member or a resident mail recipient n mamt years its not only impossible but the local law enforcement has been notified many yesrs ago as it is not a lawful place to recieve any correspondence for myself unlesx its being done by idetity theft m 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding REGION/AMS, REGIONS BANK, XXXX XXXX XXXX due to their violation of the Cardholder Agreement and improper credit reporting practices. Upon reviewing my credit report, I discovered that REGION/AMS, REGIONS BANK, XXXX XXXX  XXXX reported negative information to the XXXX major credit bureaus despite failing to uphold the arbitration clause outlined in our agreement. 

According to the terms of the credit card agreement I accepted, all disputes were to be resolved through arbitration. However, REGION/AMS, REGIONS BANK, XXXX XXXX  XXXX failed to initiate or engage in arbitration, which constitutes a material breach of our agreement. Additionally, after charging off the debt, the bank proceeded to sell the account to a third-party debt collector, further violating the terms and conditions of our contract. 

I believe this conduct is unfair and deceptive, as it not only disregards contractual obligations but also harms my credit profile. As a result, I am requesting the following corrective actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: OK

Complaint narrative:
XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: OK

Complaint narrative:
XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
After reviewing my credit report i see that there are fraudulent accounts that I do not recognize on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to report an incident of identity theft that I recently discovered involving a fraudulent business bank account opened in my name with Capital One. Below are the details of the situation : On XX/XX/year>2025, I attempted to retrieve my username for my existing Capital One credit card account through their online system. After entering my personal information, including my Social Security number, the system returned multiple usernames. One of them, XXXX, was unfamiliar to me and did not match any account I recognized. Concerned, I immediately contacted Capital One customer service at XXXX to inquire about this username. 

A representative informed me that XXXX was linked to a business checking and savings account recently opened in my name. I told them I did not open these accounts, nor did I authorize anyone else to do so. Capital One confirmed the existence of these accounts but could not provide further details over the phone. I have since requested that they investigate and close the fraudulent accounts, and I asked them to email or fax or mail a letter to me to be able to take care of this matter but they refused to send me anything. 

I believe this is a case of identity theft, as I did not apply for or consent to these accounts being opened. I am concerned that an unknown individual has accessed my personal informationlikely including my name, Social Security number, and possibly other detailsto perpetrate this fraud. To my knowledge, no other unauthorized accounts or transactions have appeared yet, but I am actively monitoring my credit reports and banking records. 

I am reporting this to you to obtain an Identity Theft Affidavit and recovery plan to resolve this matter with Capital One, law enforcement, and credit bureaus. Please advise me on any additional steps I should take to protect myself and ensure this fraudulent activity is fully addressed. 
Thank you for your assistance in helping me resolve this identity theft incident. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Subject : Inaccurate Late Payment and Balance Reporting Today XXXX ( Account Ending XXXX ) I am submitting a formal complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX  ( XXXX ) for inaccurately reporting my account status and violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I enrolled in a financial hardship repayment plan offered by XXXX, which established : Fixed monthly payments of {$55.00} 5 % APR No late fees or maintenance fees Account closure with no further charging privileges Despite making my XXXX payment on XX/XX/XXXX, and another payment in XX/XX/XXXX, my credit report now shows : A {$110.00} balance, suggesting I missed a payment ( which I did not ) A 30-day late payment, which is incorrect under the terms of the agreement This violates : 1. FCRA 1681s-2 ( a ) : Furnishers must report accurate data 2. FCRA 1681i : Credit bureaus and furnishers must investigate and correct disputes within 30 days 3. FDCPA 807 ( 8 ) : Prohibits knowingly furnishing false information to a credit bureau I have contacted XXXX, who confirmed my XXXX payment was received, yet the inaccurate reporting remains. This reporting is harming my credit score and my ability to secure housing and credit during financial hardship. 

Relief Requested : Immediate removal of the inaccurately reported 30-day late payment Correction of the reported balance to reflect the accurate status Written confirmation of the updated information Investigation into XXXX credit reporting practices I am attaching my hardship agreement letter and proof of payment, and will provide further documentation upon request. 

Please ensure this matter is fully investigated and resolved. I am seeking CFPB enforcement if the violations are not corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Subject : Inaccurate Late Payment and Balance Reporting Today XXXX ( Account Ending XXXX ) I am submitting a formal complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX  ( XXXX ) for inaccurately reporting my account status and violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I enrolled in a financial hardship repayment plan offered by XXXX, which established : Fixed monthly payments of {$55.00} 5 % APR No late fees or maintenance fees Account closure with no further charging privileges Despite making my XXXX payment on XX/XX/XXXX, and another payment in XX/XX/XXXX, my credit report now shows : A {$110.00} balance, suggesting I missed a payment ( which I did not ) A XXXX late payment, which is incorrect under the terms of the agreement This violates : 1. FCRA 1681s-2 ( a ) : Furnishers must report accurate data 2. FCRA 1681i : Credit bureaus and furnishers must investigate and correct disputes within 30 days 3. FDCPA 807 ( 8 ) : Prohibits knowingly furnishing false information to a credit bureau I have contacted XXXX, who confirmed my XXXX payment was received, yet the inaccurate reporting remains. This reporting is harming my credit score and my ability to secure housing and credit during financial hardship. 

Relief Requested : Immediate removal of the inaccurately reported 30-day late payment Correction of the reported balance to reflect the accurate status Written confirmation of the updated information Investigation into XXXX credit reporting practices I am attaching my hardship agreement letter and proof of payment, and will provide further documentation upon request. 

Please ensure this matter is fully investigated and resolved. I am seeking CFPB enforcement if the violations are not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IL

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 2025-04-03 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: IL

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 2025-04-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 


To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX continues to state they made attempt to contact me regarding a debt from XXXX XXXX XXXXXXXX XXXX. To date, I have never received correspondence from this company and they have not sent verification of debt after repeated requests, I only learned of the debt after I attempted to purchase a car and realized my credit was destroyed over {$610.00}. Actually have since learned the debt was only {$490.00} and has been paid in full. And when I originally contacted XXXX XXXX XXXX they sent me to credit sage for payment which is an absolute scam. XXXX XXXX XXXX has now sold the debt to Key 2 Recovery despite the debt being paid in full. Now I have two negative debts on my credit report. To date, they have not complied with providing verification of debt then sold it to another company when it has been paid In full. To date, I have not heard from Key 2 Recovery nor have they provided verification of this debt which is not even accurate regarding amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Never received a 1099c letter from bank of America, for the amount of {$290.00}. 
Account closed on XX/XX/year>2019.

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