vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1200.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$820.00}, XXXX XXXX Cont Account # : XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$350.00}, XXXX & XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$260.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. These accounts 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of 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 2025-02-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1200.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$820.00}, XXXX XXXX Cont Account # : XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$350.00}, XXXX & XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$260.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. These accounts 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 # ( XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I filed my claim in XXXX, I ordered a new card to my home but I let them know I would be going to XXXX soon. The card didnt come by the time I had to leave to go to XXXX and I was expecting it to be there once I got back home on the XXXX in the mailbox so I didnt think too much of it. Fast forward to the XXXX I go to the airport and my phone and computer gets stolen so I immediately file a police report. And once I get home, I check the mailbox and my card isnt there. So Im waiting and waiting and still no card. And when I call and see if have a couple XXXX on my card I immediately get it sent so that I can pick it up. But I later found out that my claim had been approved and what I had been withdrawing was what was left on my card from the thieves stealing the rest. So I file another claim and it gets denied and come to find out, {$1000.00} was withdrawn from my acct in XXXX although I was clearly out of town and the rest was transferred to someones bank acct and I dont even have a bank acct! So I know there is no real investigation happening and something needs to be done. I need atm footage and to find out whos acct the money was transferred to because it wasnt mine. I want my money back. Claim # 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 2025-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My personal information has been leaked on the XXXX XXXX! There has been a breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( XXXX  ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Equifax is reporting an account incorrectly the account in question is DEPT OF ED Account Number XXXX XXXXXXXX the account has several late payments. The payment is for the month between XXXX XXXX. This is not correct and Equifax has provided no evidence that they conducted a reasonable investigation into this account. First one my financial information is not allowed to be shared without my consent because it is a violation of my consumer rights to privacy. Equifax is also required to send a disclosure 30 days prior to adding any negative information they have to send me an opt out notice. I have never received any notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have asked XXXX XXXX on numerous occasions to provide the date of the first late payment they are reporting and yet XXXX  years late I have not been provided this information. 

Under XXXX XXXX XXXX XXXX XXXX BE you must provide the most accurate information. 

Please remove asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I checked on my capital one spark credit card account portal on XX/XX/XXXX if enrollment for a XXXX XXXX precheck was a rewards benefit for my credit card. It displayed a statement the it was covered. A month later, I called Capital One to verify that it was a covered benefit. The agent told me that a credit would be posted within two billing cycles. Today XX/XX/XXXX I called again and spoke with Capital One customer service. I was told, after a 58 minute conversation that the benefit was not available on my card ALTHOUGH the website indicated that it was a covered benefit. The benefit I expected to receive was for {$78.00}. The agent did not dispute that the web pages indicated coverage, just that the terms and conditions did not include XXXX as a benefit. 

I was convinced that it was a benefit as stated on my credit card rewards online account. I am attaching the web pages in sequence that I navigated the website. It is clearly stated as a benefit there!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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 recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a collection account reported on my credit file by Eastern Account System , Inc. This item is listed with a balance of {$380.00} and appears on my [ XXXX XXXX  credit report XXXX I am requesting that this account be investigated in compliance with the Fair Credit Reporting Act ( FCRA ) and that it be removed if it can not be verified as accurate and legally compliant. 

Under the FCRA ( 15 U.S.C. 1681 et seq. ), consumers have the right to dispute inaccurate, incomplete, or unverifiable information. Additionally, the collection agency must provide complete validation of the debt, including proof of my contractual obligation, proper notification, and a chain of title if the debt was transferred. If Eastern Account System , Inc. is unable to verify the debt with proper documentation, this item must be deleted from my credit report per FCRA Section 611 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, as it is fraudulent and does not belong to me. The account in question is : Creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have never opened an account with XXXX or XXXX XXXX XXXX, and I believe this account was opened fraudulently. I request that this account be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my identification and a report showing the fraudulent account. If needed, I can provide further information. 

I am a victim of identity theft. 

Thank you for your prompt attention to this matter. Please respond to my request at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AL

Complaint narrative:
I just learned that I had been one of the people who was impacted by the XXXX data breach and had been disputing these accounts for quite some time already. I have asked to please remove this from my credit because it doesn't belong to me and it has ruined my life I have been denied credit everywhere. I also have learned I have my right to dispute and ask that this be removed immediately by codes 15 U.S. Code 1681g

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 2025-02-20 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: FL

Complaint narrative:
Unauthorized Hard Inquiries - Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on two of the bereus ( Experian and Transunion ) in my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : EXPERIAN XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX 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 XX/XX/XXXX XXXX XXXX. XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX of XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA. Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
XXXX company promise me that if I pay XXXX they will help me in waiting and giving me time to for 3 months so I can pay my car but unfortunately they never help me and took the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
I work for XXXX XXXX. Banking is XXXX, XXXX direct account. I own a debit card called XXXX business. Through my branch app ( XXXX direct ) I had the option to upload the debit card to apple wallet. I clicked the link and card uploaded to wallet. It was not my XXXX business card that uploaded. It was another agency that has branch app services. The card uploaded says XXXX XXXX business. I spoke on the phone with branch. I emailed branch. I attempted to chat with branch. I was instructed to delete card from wallet and start over. I did and the same shifkey card appeared. Nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CT

Complaint narrative:
I received something in the mail that I was one of the 3 billion people whose information was hacked.

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 2025-02-20 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I received something in the mail that I was one of the 3 billion people whose information was hacked.

Company response to consumer: Closed with explanation