vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: UT

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against Capital Management Services , LP, a debt collection agency, regarding their refusal to provide a letter confirming the payoff of a debt that was fully satisfied. 

On XX/XX/year>, I submitted a payment in the amount of {$420.00} to Capital Management Services in full settlement of an outstanding debt. The payment was processed and cleared without issue. Since then, I have made multiple attemptsvia phone and written correspondenceto obtain a formal payoff or satisfaction letter confirming that the debt has been paid in full. Unfortunately, these efforts have been unsuccessful, as the agency has consistently failed or refused to provide the requested documentation.

The lack of this letter creates unnecessary uncertainty and could potentially affect my credit profile or financial standing. I am requesting the Bureaus assistance in ensuring that Capital Management Services fulfills its obligation to provide formal confirmation of the debt payoff.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was served a levee With my name on it. But the Social Security number was fabricated from the court from the collection agency that filed the levy because I am not the grantor or they would have all my proper SSN numbers and i am not a party to the lawsuit in question. Bank of America still issued the Levee to my account without proper KYC and proper verification of my Social Security number which is a violation of my Constitutional and personal rights This is also a violation of my customer and my deposit security agreement with Bank of America. The Bank is refusing to honor the proper authentication and the proper KYC on the Levy and identifying my Social Security number to verify the account and that the levy was wrongfully served on my account that they removed the funds from my account. 

I have all the proper documentation and the court orders and the falsified social security number that the court was issued against my bank account to prove everything I'm saying without hesitation and facts with no exaggeration only facts and documentation. 

Please help me

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: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account CAPITAL ONE # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # 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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
They closed my Cashapp acct for no reason and you cant get into anyone to speak to.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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 Bureau 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 * XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all 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 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to pay off my balance of {$110.00} which I have to do through breadfinancial but the website was down. After I got off work on XX/XX/XXXX I paid off my balance. I assumed this was paid off. 

On XXXX XXXX I tried to check my balance but once again the site was down. I didn't worry too much because I had paid my balance right? 

Wrong, they charged me a {$40.00} late fee because I paid my balance after XXXX Eastern on the XXXX therefore I was late, and charged me a XXXX XXXX XXXX XXXX XXXX service fee for what should have been a XXXX balance. However I couldn't see this because for some odd reason when I tried to see my statement to see what my balance was on XX/XX/XXXX... again the website was down and I was charged another {$40.00} late fee on a card that should have been paid off as well as another service fee. 

On XX/XX/XXXXXXXX XXXX  I transferred all of this to a XXXX interest account so I can just close this card out and be done with it, guess what? Another {$40.00} late charge. I now owe {$120.00} on a card which should have a XXXX balance!!! I have many credit cards and never a late payment. I also transferred other cards to the XXXX interest account and they have been paid. I did it all on the same day so why is Comenity the only bank having issues with a functioning website and processing payments? 

Comenity Bank needs to go! 

If there is a class action lawsuit I want in! If not we need one!! 
Thank you for reading my rant if you did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I've been trying to get the installment auto loan off my credit I was sold a recalled vehicle and I demand this to be removed from my credit report it is ruining my credit and life

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 2025-05-10 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple accounts that have been improperly reported by Experian, TransUnion, and Equifax on my credit report. These accounts were added without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1006.34 ( d ) ( 3 ).

The following accounts have been reported without proper notice or opportunity for dispute : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX This omission has denied me the opportunity to verify the accuracy of the debts in question. I have not been afforded the right to dispute these accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Denying me access to the dispute process has infringed upon my rights and has prevented me from challenging potential inaccuracies and discrepancies.

Furthermore, Experian has used false, misleading, and deceptive means in their reporting practices, which violates my consumer rights. These unethical practices compromise the integrity of the credit reporting system and have caused me significant emotional and financial distress.

Additionally, Experian is not authorized to furnish information to consumer reporting agencies without first complying with the required disclosures mandated by law. By failing to follow the procedures outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ), Experian has shown a flagrant disregard for consumer protection statutes. 

I also did not receive any notice from the above-named creditors giving me the opportunity to dispute the validity of the debts within 30 days, as legally required. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly. I also request that Experian remove the aforementioned accounts from my credit report and cease all related collection activities immediately. 

Thank you for your attention to this urgent matter. I look forward to your timely resolution.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern : I am writing regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

I NEVER signed a contract with LVNV Funding LLC and they need to give me proof of verification of my signature I signed a contract with them to this debt. The debt has been paid. 

Account with LVNV- XXXX I'm unaware of this debt and did not have an opportunity to dispute account. If you believe you sent proper notification; Please provide Certified Mail with receipt displaying my signature. If not, please delete account-XXXX as soon as possible from my reports or I will have to take legal action. 

Original Creditor : XXXX XXXX XXXX XXXXXXXX Account number ending in XXXX Creditor trying to collect : LVNV Funding LLC- Account Number- XXXX Amount : XXXX Sincerely, XXXX XXXX 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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear [ Credit Bureaus ], I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX account in question is [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX ] and is listed on my credit report. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including [ any supporting documents, e.g., account statements, proof of payment, etc. ], which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ]. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
It has come to my attention that my personal information was exposed as a result of a national data breach. Upon reviewing my credit reports, I discovered several accounts that I do not recognize and did not authorize. 

I asked the credit reporting agencies for proof of these debts, but to date, havent received anything back. 

Ive attached documents showing the data breach ( XXXX report ) and my debt validation letter along with identifying information. 

Given the sensitive nature of this situation and the potential implications of identity theft, I kindly request immediate attention to this matter and appropriate action to resolve these discrepancies. 

Thank you for your prompt assistance.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * XXXX XXXX XXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the XXXX Federal Trade Commission that all 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 non-monetary relief