vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
Request for Certification of Accuracy of Information ( Need XXXX  XXXX  Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue.


Violations of Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ).

Pursuant to 15 U.S.C. 1692c ( c ), I need proof of authorization, verify that this constitutes legitimate credit transactions, and valid photo identification linking me to this alleged debt.

Fraud Accounts : XXXX XXXX : Balance : {$2600.00} : It is UNKNOWN when Fraud Begun. 
XXXX XXXX XXXX : Balance : {$51000.00} : Fraud Begun : XX/XX/XXXX XXXX  XXXX  XXXX  : Balance : {$730.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX XXXX  XXXX  XXXX Resources : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX Unauthorized Hard Inquiries are : XXXX : XX/XX/XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX  XXXX  : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), you are legally required to block and delete fraudulent information upon receipt of a valid identity theft report, which I have provided on multiple occasions. Your failure to take corrective action violates federal protections outlined in the Identity Theft and XXXX XXXX XXXX, as well as state consumer protection 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 2025-03-20 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: FL

Complaint narrative:
XXXX XXXX XXXX  has open a account on in my name using fraud. 
I have attached a police report of the ID theft

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 2025-03-20 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: FL

Complaint narrative:
XXXX XXXX XXXX  has open a account on in my name using fraud. 
I have attached a police report of the ID theft

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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westcreek Financial
State: AZ

Complaint narrative:
The company without notice claims I have not made any on time payment and negative impacted my credit. My account is on auto pay and up to date no one was able to figure out why my account is marked in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Im reaching out because I found several inquiries from your company on my credit report that I never authorized. I have been very careful about my financial activity, and I dont appreciate seeing unauthorized inquiries that I had no knowledge of.

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 2025-03-21 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: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We have found our that It's important to clarify the concept of " selling a home as stock. '' Real estate and stocks are fundamentally different asset classes : We now understand that Real Estate : Represents physical property and Ownership is typically transferred through deeds and recorded in land records. Stocks : * Represent ownership shares in a company. * Ownership is tracked through stock exchanges and brokerage accounts.Therefore, a traditional single-family home can not be literally " sold as stock '' in the same way that shares of a publicly traded company are.

However, there are scenarios where real estate and investment instruments intersect, which might lead to some confusion : * XXXX XXXX XXXX ( XXXX  ) : We have found out that These are companies that own or finance income-producing real estate. 
* Shares of REITs are traded like stocks on exchanges.So, you can invest in real estate through buying XXXX XXXX we know that It is possible that BofA Merrill Lynch XXXX XXXX XXXX could hold XXXX 's in its portfolio. 
* Securitization of Mortgages : * Mortgages can be bundled together and sold as mortgage-backed securities ( XXXX ). 
and thatThese securities are traded in financial markets. 
This is not selling a single home as stock, but rather a financial instrument backed by a pool of mortgages. 
* Control Numbers : and Control numbers are used in various financial transactions, including those related to stock ownership and corporate actions.

* In the context of real estate transactions, a control number might be used for internal tracking or auditing purposes within a large financial institution like Bank of America. 
In the context of BofA Merrill Lynch XXXX XXXX XXXX : We know now that this entity is involved in asset management, which can include various financial instruments, including those related to real estate. 
* If BofA Merrill Lynch XXXX XXXX XXXX were involved in a transaction related to real estate, it would likely involve : * Managing XXXX holdings. 
* Dealing with mortgage-backed securities. * Managing foreclosed properties ( XXXX - XXXX XXXX XXXX ). * It is highly unlikely they would sell a single home as a stock. They would sell the home as a real estate asset.In summary, while real estate and investment instruments can be intertwined, a single home is not sold as a stock. The use of a control number would be for internal tracking of the asset.Our control number for BofA Merrill Lynch 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 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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN COMPROMISED WITHOUT MY KNOWLEDGE OR CONSENT. ALONG WITH FRUADULENT ACTIVITIES AND TRANSACTIONS. AND UNAUTHORIZED ACCOUNTS

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 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to formally dispute a debt collection notice that has been wrongly attributed to me due to identity theft. I have never incurred this debt, and it has been brought to my attention without my authorization or knowledge. The collections agency is Credence Resource Management, opened XX/XX/year>, for a balance of {$3700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Subject : Complaint Regarding XXXX Failure to Delete Fraudulent Inquiries Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to delete fraudulent inquiries from my credit report despite multiple attempts on my part to resolve the matter. Below are the details of the issue. 

Description of the Issue : I have recently discovered fraudulent inquiries on my Equifax credit report. Upon investigating, I found that these inquiries were made without my consent and were the result of identity theft. To address this, I have attempted to resolve the issue directly with Equifax in the following ways : XXXX. Online Portal Requests : I submitted my request through the Equifax XXXX XXXX XXXX consecutive times. Despite providing all necessary documentation, including my FTC Identity Theft Report, Equifax rejected my request for the removal of these fraudulent inquiries. 

XXXX. Physical Submission via XXXX : I sent a detailed request to Equifax via XXXX also XXXX consecutive times. This included a copy of my FTC Identity Theft Report, a letter requesting the removal of fraudulent inquiries, and any other supporting documents. Again, my request was denied with no clear justification. 

Despite my clear and documented efforts, Equifax has continuously refused to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing harm to my credit score and further complicating my ability to resolve the issues related to identity theft. 

Request for Action : I respectfully request that the CFPB investigate this matter and help ensure that Equifax : XXXX. Reviews my case thoroughly and removes the fraudulent inquiries from my credit report. 
XXXX. Ceases their pattern of denying valid requests without proper justification or resolution. 
XXXX. Ensures that their process for handling fraudulent inquiry disputes is compliant with consumer protection laws. 

Attached, you will find copies of all correspondence with Equifax, including the FTC Identity Theft Report, my request letters, and any other relevant documentation that supports my claim. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

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 explanation
Consumer complaint received 2025-03-20 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:
I am writing to formally dispute fraudulent accounts that appear on my Experian credit report. Despite multiple disputes and the submission of a police report, Experian has failed to remove these accounts, which were fraudulently opened in my name. 

My ex-boyfriend, whom I previously lived with, had access to my personal information, including my email accounts, bank accounts, and Social Security card. He broke into my car and stole my wallet, which contained my Social Security card, debit cards, and other personal items. Using my stolen information, he applied for credit cards, funded them with money from my checking account, and made minimal or no payments, leading to these accounts being sent to collections. I have never authorized, used, or made payments on these accounts. I have already filed a police report regarding this theft, which has been approved by the police department, and I have provided a copy to Experian.

I have disputed these fraudulent accounts numerous times, yet they remain on my credit report, severely damaging my financial standing. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Experian is required to conduct a reasonable investigation into disputed information ( 1681i ), remove inaccurate, incomplete, or unverifiable information within 30 days ( 1681i ( a ) ( 5 ) ), and prevent the inclusion of fraudulent accounts when evidence of identity theft is provided ( 1681c-2 ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors may not attempt to collect a debt that is not validly owed ( 1692e ). Reporting fraudulent debts as legitimate is a violation of federal law.

I am requesting that Experian immediately remove the fraudulent credit card accounts and associated collections from my credit report. Experian must also cease reporting these fraudulent accounts to other bureaus and creditors and provide written confirmation that they have been removed. I have attached a copy of the police report as evidence of the identity theft. Given the clear proof of fraud, Experians continued reporting of these accounts is unlawful and is causing me significant harm. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws. 

I expect Experian to comply with its legal obligations and remove these fraudulent accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.

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 2025-03-20 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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/year>

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 2025-03-20 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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/year>

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 2025-03-21 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: FL

Complaint narrative:
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 Dispute and Request for Deletion of Inaccurate Accounts To Whom It XXXX Concern, I am writing to formally dispute and request the immediate deletion of the following inaccurate accounts from my credit report, as they do not belong to me, and I do not owe these debts : 1. Account XXXX : XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is my right to ensure that the information contained in my credit reports is accurate and reflects only valid debts that I am responsible for. These accounts are erroneously reported and do not pertain to any financial obligation of mine. 
I kindly request Equifax and XXXX to investigate this matter promptly and to delete these accounts from my credit report within the timeframe mandated by law. Please provide me with written confirmation once these accounts have been removed from my credit file. 
Enclosed with this letter are copies of documents supporting my identity and the discrepancy in reporting. I also have attached the final payment I made on XX/XX/XXXX, following XXXX XXXX in XXXX of XXXX. I have also returned all equipment Spectrum following the transfer of my services, for which I was supposed to receive an account CREDIT. 
Thank you for your immediate attention to this matter. Please contact me at the above-listed phone number or email address if you require any further information. 
Sincerely, XXXX XXXX Attachment : - Driver License - Copies of the new account I obtained on XX/XX/XXXX - Copy of the debt paid to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
I signed up for a Credit Card with my bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. They furnished me with a credit card from ELAN XXXX- an operation run like a scam. Their bookkeeping doesn't add up and I am being over billed. I can find no way to cancel my card. They don't have a working phone or contact form. I get phone holds for hours and never a human. The contact/support form returns a XXXX ( see attached docs ). 
They auto-pay themselves twice from my bank account and then those payments get denied by my XXXXXXXX XXXX which issued the card to me. How does that happen- they deny their own card as having insufficient funds which is hardly true? They have charged me fines for payments I did not miss. They have no working way to contest bogus charges. This is illegal! Do your jobs and shut these scammers down. I want my money returned and a full documented ledger of ALL MY TRANSACTIONS.

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 2025-03-20 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-21 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AR

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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Late XXXX my account was suspended because I deposited two cashiers check in the the total of XXXX. The check was on security hole and eventually became available. Immediately after it became available The account was suspended. It has been over four months now and Im receiving no information on the investigation and nobody involved meaning the guy who gave me the cashiers check on myself has been contacted. His bank has already verified the funds. Im getting nothing but red tape at this point. Im looking for a resolution to have my account closed in my funds readily available or have my account taken from suspension status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation