vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with 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 have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC : XXXX, filed on ( FTC XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IN

Complaint narrative:
You did not include : 1. A signed contract or agreement showing I am legally obligated for this debt.

2. Documentation proving your legal authority to collect on this account.

3. A full account history, including how the current balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
in XXXX to XXXX i was a victim of a dangerous criminal. the XXXX XXXX courthouse in XXXX iowa repeatedly sent me notices for state of iowa vs the criminal to me as the victim of his crimes, and also delivered subpoenas consistently so many of which i stopped opening them and just called and asked is there another court date, yes etc ... they were all related to the stalker/harasser who is also featured currently on XXXX XXXX XXXX and fled the country even telling the court clerk that he was going to mexico and not coming back to serve his two year sentence. in all of this mess a bill collector sued me in the courthouse, not once but twice and won even claiming that i was not XXXX which i am XXXX XXXXXXXX and unable to work full time consistently any longer since XXXX the debt collector is named as midland credit management i was kicked when i was down not only by the county and state court, but also by the vile company whom attacked in an attempt to collect. did they acknowledge i am a veteran and am under XXXX status and a crime victim of a violent crime?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I DISCOVERED MY INFORMATION WAS USED WITHOUT MY CONSENT. I STARTED RECEIVING UNUSUAL CALLS AND EMAILS ABOUT THESE ACCOUNTS THAT WERE NOT AUTHORIZED TO BE OPENED WITHOUT MY CONSENT. IT HAS BEEN USED IN VARIOUS WAYS. I HAVE FREEZED MY ACCOUNT TO PREVENT FURTHER TRANS ACTIONS. I KINDLY REQUEST YOUR ASSISTANCE IN THIS MATTER AS I INVESTIGATE THE NEXT STEP TO PROTECT MY IDENTITY. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT 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.I am filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my FICO consumer credit report, which I do not recognize and believe to be the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a credit card/charged-off account at XXXX XXXX XXXXThese unauthorized accounts have resulted in multiple fraudulent hard inquiries and collections being reported on my credit file. I demand the immediate removal of all fraudulent accounts, inquiries, and collections from my consumer credit reports, and I request that all related collection activities cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX I am writing in response to your recent [ letter/phone call/collection attempt ] dated XX/XX/year> regarding an alleged debt I dispute the validity of this debt and request verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, I believe my rights have been violated in the following manner : You contacted me after I requested no further communication. 
You failed to provide proper debt validation within 30 days. 
You reported inaccurate information to credit bureaus. 
You attempted to collect a debt not owed. 
You harassed me with repeated or threatening calls. 

These actions constitute a violation of my rights under the FDCPA and possibly other applicable laws. I hereby demand that you : 1. Cease all collection efforts until the debt is validated.

2. Provide documentation proving the debt is valid and that you have the legal right to collect it.

3. Remove any inaccurate information reported to credit reporting agencies.

Failure to comply may result in me taking legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing damages in civil court.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/XXXX, I learned that my account amounting to {$1900.00} had been blocked and I would receive a email with more information. I never received an email. After much searching for a person to call, I was able to reach someone and learned that all of my money had been withdrawn via two transfers. Obviously, my account had been compromised, so I filed a dispute with XXXX.I was informed that I would hear back in approximately ten days. I might mention that I also never received confirmation of my dispute having been filed. In the meantime, I received an automated email indicating a new backup method of payment had been filed. I did not request to have another backup institution. I contacted XXXX and again received no response. Then I received an another automated email indicating my primary email had been changed. I frantically contacted XXXX indicating I had not changed my email. Again, no response. Furthermore, I am not able to sign on to my account with my email. I am worried that the scammer has used these two changes to my account to circumvent any contact with me regarding a refund and perhaps again committing fraud to access any refund. I am frustrated with my inability to communicate with XXXX and extremely worried that the scam is continuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX  XXXX BALANCED {$210.00} XXXX XXXX XXXX XXXX BALANCED {$20000.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$520.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$190.00XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These Items 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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried login into my Experian account, but the email on file is not mine and it has an old phone number. When I try to Forgot Password or Username, it asks to verify my Social and phone number. I'm sure my current phone number would be on file, but it does not let me change it because my old number is there. When I try to logging using my XXXX account, which I sure was the original username, It states that I also need to place a phone number on file. When I put my phone number ( Current number ), it states that its incorrect. I tried to call their phone and all I get is an IVR and the IVR will not transfer me to an agent no matter how hard I try. Now I have no access to correct my information and no one will respond. When I try to login with with Forgot password. I place my email and my phone number. It states text or call and it does nothing.

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 2025-04-27 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: Nelnet, Inc.
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Also there are other various things that XXXX XXXX and XXXX  will not let me di

spute and refuse to remove these accounts outside of the student loans thats already been mentioned from my credit Report. To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are the result of identity theft. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that you block the reporting of the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been a victim of identity theft as well as victim of identity tax fraud. My peesonal information has been used fraudulently to file taxes. I have been the victim of bank fraud when my account was attacked. I have had my mail stolen. I am not liable. I do not have an account with creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Early Warning Services ( EWS ), a consumer reporting agency that provided information leading to my denial of a bank account application. 

EWS reported that I had prior negative banking activity, including accounts closed with overdrafts or in high risk status at XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX. However, upon reviewing my official credit reports from XXXX XXXX and XXXX, there are no corresponding negative accounts, charge-offs, collections, or derogatory events. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies maintain information that is accurate, complete, and verifiable. The inconsistency between EWS reporting and the absence of any derogatory tradelines on my credit reports strongly suggests that the information maintained by EWS is either inaccurate, unverifiable, obsolete, or incomplete. 

I was given no prior notice of this reporting, and I was not afforded a reasonable opportunity to dispute the information before being denied access to banking services. 
I respectfully request that Early Warning Services be required to : 1. Conduct a full reinvestigation into the accuracy and verifiability of the reported accounts, 2. Remove any negative or unverifiable information, 3. Provide me with a corrected consumer report, 4. Confirm compliance with all applicable sections of the FCRA and any other governing regulations. 

I have attached a copy of my bank application denial letter referencing Early Warning, as well as copies of my credit reports showing no derogatory banking information. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Complaint Regarding Unjustified Blocking of Online Banking Access I am writing to formally express my concern regarding the restriction placed on my account access through both mobile banking and online internet banking. 

Without any prior notice, explanation, or identifiable reason, my ability to access my account digitally has been blocked. This action has caused significant inconvenience, limiting my ability to manage my finances effectively. I have not received any specific communication regarding a violation of terms or any other issue that would warrant such a restriction.

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
Recently, possibly since the first week of XXXX I have not been able to access my Goldman /Marcus GM Credit card account.

In order to sign in to my account I must submit my user name and password. This will allow for a code to be sent to my email address and this code will be used to sign in. For the last few weeks, this is the message that I have received : At the moment, Marcus.com and our products are only available in the US. Depending on your current location, you may be able to access your accounts here if you're a current customer. To inquire about opening new accounts or speak to an agent, call our Contact Center : My Account and Residence is in the United States. The Sign in process as well as I believe my phone number and IP address from my computer are also evident in their verification that my account is US based. 

I did call customer service agents on several different occasions and have had no resolution.

In order to verify my identify with the agent I must provide my birth date, social security number, and my address just to speak with them. I have objected to this form of Identification as this information can be used towards Identity theft, especially as it seems that the agents are working from their homes. 

After the verification, I am told that I have not paid my bill. I say that this is not true and after they look they say that something to the effect that oh, yes, I see. With each call a agent has told me that it will take time for the XXXX to fix the problem. One Customer service supervisor, XXXX, told me I would have to wait a week. XXXX, another representative, said that my account review would be expedited so that a XXXX would review. 

In the meantime after these calls I received a letter on XXXX XX/XX/year> that XXXX has transferred/sold GM accounts XXXX XXXX XXXX  XXXX 
Concerns that my XXXX account is charged with unwarranted charges Not made by me and that XXXX has or is to attempting fraudulent charges to my account while it is being transferred to the XXXX XXXX. 

In the meantime, The fact remains that I am locked out of my account. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
INACCURATE INFORMATION REPORTING ON CONSMER REPORTS ; EMPLOYMENT : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 
INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> INACCURATE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief