vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Attn : Legal Department Re : Cease and Desist Request for Debt Collection Activities Dear Sir/Madam, I am writing to formally request that your company, cease and desist all further communication regarding the alleged debt referenced in your prior communications with me. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am exercising my right to demand that your company stop all communication with me regarding this matter.

Please note that I am fully aware of my rights under the FDCPA, and I expect full compliance with the law as it pertains to my situation. Therefore, I request the following : 1. Immediate cessation of all collection activities : Please refrain from any further telephone calls, letters, or other forms of communication with me, either directly or through any third party, regarding this alleged debt.

2. Verification of the debt : If you believe I am obligated to pay the debt, I require that you provide me with proper verification, as stipulated under 15 U.S.C. 1692g. This verification must include the amount of the alleged debt, the name of the creditor, and other relevant details.

I also want to remind you that any further attempt to contact me may result in legal action under the FDCPA for violations of my rights as a consumer. Should you continue to contact me in any form after receiving this letter, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office, as well as seeking legal remedies available under the law.

Please take this letter seriously and ensure that your company adheres to the regulations under the FDCPA. I trust you will take prompt action to resolve this matter. 

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 2025-03-22 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
Attn : Legal Department Re : Cease and Desist Request for Debt Collection Activities Dear Sir/Madam, I am writing to formally request that your company, cease and desist all further communication regarding the alleged debt referenced in your prior communications with me. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am exercising my right to demand that your company stop all communication with me regarding this matter.

Please note that I am fully aware of my rights under the FDCPA, and I expect full compliance with the law as it pertains to my situation. Therefore, I request the following : 1. Immediate cessation of all collection activities : Please refrain from any further telephone calls, letters, or other forms of communication with me, either directly or through any third party, regarding this alleged debt.

2. Verification of the debt : If you believe I am obligated to pay the debt, I require that you provide me with proper verification, as stipulated under 15 U.S.C. 1692g. This verification must include the amount of the alleged debt, the name of the creditor, and other relevant details.

I also want to remind you that any further attempt to contact me may result in legal action under the FDCPA for violations of my rights as a consumer. Should you continue to contact me in any form after receiving this letter, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office, as well as seeking legal remedies available under the law.

Please take this letter seriously and ensure that your company adheres to the regulations under the FDCPA. I trust you will take prompt action to resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TransUnion and Experian credit reporting agencies are reporting inquiries that I didnt request on my credit report. This is affecting my ability to obtain new credit at a lower interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 and # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 

I looked at my EQUIFAX Credit Report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the following creditors and collection agencies for their failure to conduct proper investigations into fraudulent accounts and unauthorized credit inquiries appearing on my credit reports. Despite multiple disputes, these entities have not provided the legally required documentation verifying these accounts. I demand immediate action to rectify these violations. 

Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$3100.00} Balance Owed : {$3100.00} Address : XXXX XXXX XXXX, XXXX, DE XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$11000.00} Balance Owed : {$11000.00} Address : XXXX XXXX XXXX, XXXX, VA XXXX 3. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1500.00} Balance Owed : {$1500.00} Address : [ Not provided in available sources ] 4. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1900.00} Balance Owed : {$1900.00} Address : [ Not provided in available sources ] 5. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$2500.00} Balance Owed : {$2500.00} Address : [ Not provided in available sources ] 6. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX XXXX XXXX  XXXX XXXX Amount Owed : {$5400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX Amount Owed : {$260.00} Address : [ Not provided in available sources ] Legal Violations : 15 U.S.C. 1681e ( b ) : These entities are legally required to ensure maximum accuracy in credit reporting. Their failure to remove these fraudulent accounts violates federal law.

15 U.S.C. 1692g : They must provide verified proof of these debts, including the original signed application or contract. Their continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately.

15 U.S.C. 1692c : This statute restricts communication with consumers at unusual times or places known to be inconvenient. Despite notifying these entities of the fraudulent nature of the accounts, they have continued to contact me, causing undue stress and inconvenience. 



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 2025-03-22 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: GA

Complaint narrative:
Equifax, Experian, and Transunion they all have incorrect Names and Address located on my credit file.

I have reached out to each of the companies to update the information and they have not made an effort to remove the incorrect information off my credit report. 

XXXX XXXXthis does not belong to me and in the divorce decree it was suppose to be removed. 

XXXX XXXX-it is reporting inaccurately XXXX XXXXthis is not reporting correctly on my account.. Validate the Debt. ( Verification is not required ) The XXXXreach out to this company and it should read paid as agreed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Tried reaching out to cashapp about charging on my acvkunt there's no customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Federal Savings Bank has abruptly closed my account without providing a clear reason or legal basis. Despite my numerous attempts to contact customer service and the security/fraud team, I have not been given a specific explanation as to why my funds are being held for up to 60 days after account closure. 

The representatives have repeatedly stated that the funds are being held according to policy and procedure, but no one can identify or cite the exact policy that justifies this prolonged hold. They also claimed that the specialized security team handling my case does not have an incoming number and that I must wait for a call back, which has not happened. 

This hold on my funds is causing significant financial hardship, and USAAs lack of communication and transparency has been extremely frustrating. I am requesting that the CFPB investigate this matter and assist in getting my funds released immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
I review my credit report an noticed fraudulent inquiries on my credit report that i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I contacted the bank that the credit card is through and ask them to provide documents that the late payments are in fact late when they can not do so I ask them to change the late payments to PAAL ( paid in full never late ) they then stated that they could not do this because it was already submitted through the credit bureau and I would have to call the credit bureau and dispute the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a dispute letter to CBNA ( Citibank ) on XX/XX/year>. 

I sent a follow up letter to the same CBNA ( Citibank ) on XX/XX/year> because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Upon recently checking my credit reports I found that there were fraudulent inquiries and accounts from companies that I dont recognize. These Inquiries are listed below. 
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 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 XXXXXX/XX/XXXX The companies are : XXXX XXXX XXXX XXXX Credit acceptance Credit acceptance 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 2025-03-22 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: GA

Complaint narrative:
This is XXXX XXXX writing on my behalf, this is not a robot, this is not a third-party company. Please do not send me anything stating that you do not know if this is me actually writing. On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 45 days since and I have not received a response. I am feeling taken advantage of and my disputes are being ignored. Section 611 ( a ) of the FCRA clearly states that failure to investigate these items within 30 days gives reason to immediately remove the items from my credit report. It has been 45 days so these account should be deleted promptly. I demand that these account be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am formally requesting a full investigation and deletion of the account listed under " DPT EDXXXX '' with the account number ending in XXXX, reported by TransUnion, Experian, and Equifax. 

Reason for Complaint : This account is inaccurately reported and has caused significant harm to my credit profile. Although the account is listed as paid/closed with a {$0.00} balance, the payment history reflects severe derogatory marks including 120+ day lates and collections that are inconsistent and misleading, especially since the balance is reported as paid and current. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and fails to meet the standard of maximum possible accuracy as required under federal law. The inconsistency in the reporting across bureaus also points to a lack of verifiable and consistent data. 

Additionally, the derogatory remarks persist on my reports long after the resolution of the account. According to 15 U.S. Code 1681c ( a ) ( 5 ), obsolete information should be removed, particularly if the account has no balance and was last reported in XXXX. It is XXXX. 

I am demanding the immediate deletion of this account from all three credit reporting agencies : TransUnion, Experian, and Equifax. 

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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