vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: KY

Complaint narrative:
Reached out the company the refused to speak with me. 
Send them letter asking to remove from my credit report. 
Provided them with vehicular damage before the car was in my possession. 
Stole my {$3000.00} for extension and wouldnt communicate with me. 

I am formally disputing the repossession account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, you are required to conduct a full investigation to verify the accuracy, completeness, and validity of this account.

Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX, XXXX :, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at Capital One on XX/XX/XXXX under the account number XXXX, Capital One on XX/XX/XXXX under the XXXX and XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in few fraudulent hard inquiries 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX ( mo. ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Southwest Credit System XXXXXXXX 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
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear consumer financial protection bureau, I am writing to file formal complaint against Experian for their blatant disregard of the 30 day requirement to provide sufficient evidence regarding a dispute I filed. Dispute the statutory obligation to respond within 30 days, Experian has failed to provide the necessary documentation or even a clear explanation of the information in question. 
I disputed inaccurate information on my credit report, and I was fully within my rights to expect a resolution within 30 day period stipulated by law. Not only has Experian failed to meet this deadline they have also not provided no meaningful or sufficient evidence to address my dispute, this lack of accountability and outright negligence is unacceptable. 
Experian continued failure to provide the necessary evidence or resolve the issue has had significant negative impact on my credit report. The company disregard for consumer rights is damaging. This is a clear violation of the fair credit reporting act ( FCRA ) and I expect the immediate intervention from the CFPB to ensure that Experian is held accountable for this failure to comply with the law. 
I demand this matter be escalated and resolved promptly. The way Experian has handled this issue is unacceptable.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX I XXXX writing to formally dispute the inaccurate information on my credit report. The item in question is a XXXX Bank account reported as negatively impacting my credit history. This account was closed on XX/XX/XXXX, and I believe it has been reported inaccurately or should not be included on my credit report. 
Details of Disputed Account : Account Name : XXXX Bank Account Number : XXXX Date Closed : XX/XX/XXXX The account in question is reported as having a negative impact on my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( the portion concerning dispute rights ), I am requesting that this information be verified. If the account is not accurately reflected, I request its removal from my credit report.

I understand that under the FCRA, you are obligated to investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving this dispute. Please provide me with the results of your investigation, including any documentation or verification you obtain regarding the XXXX XXXX  account. 
If the information can not be verified or if XXXX XXXX  is unable to substantiate the accuracy of this account as it currently appears on my credit report, I request that this item be deleted or corrected accordingly.

For your reference, I am including the following supporting documentation : 1. A copy of my government-issued ID ( for verification purposes ) 2. A copy of my recent credit report showing the disputed item 3. A utility bill [ for proof of address ] Please send me a written confirmation of the results of your investigation and any actions taken regarding this dispute. You may reach me at the contact information listed above should you require any additional information.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I asked the company to provide the 1099c they denied me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Address : XXXX Overlook XXXX XXXX, NY XXXX Phone : XXXX Subject : Request to remove unauthorized credit inquiries. 
To Whom It May Concern I requested any proof of my permission document or any signed document Experian did not provide and closed case.

, I am writing to dispute the following information in my file. I have recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by the company/companies listed below. To my knowledge, I have not signed any documents authorizing the company to make this many inquiries to my credit report. The listed inquiry was without authorization and is a very serious error in reporting. I am requesting your bureau to initiate an investigation and determine responsible parties in this authorized credit inquiry. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiries, signed on my behalf, so I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it may be removed immediately from my credit file. Please be so kind as to forward me the documentation that you have had the unauthorized inquiry removed. If you find I am in error, please send me proof. Finally, I am requesting an updated copy of my credit report. Your immediate attention to this matter is appreciated,

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 2025-03-27 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Today I received several emails saying that my XXXX XXXX has decreased significantly, then an email from experien came in saying that my claim has updates. 
Claim that supposed to be resolved alread. 
Back in XXXX I received an email from XXXX XXXX saying that my loan for $ XXXX has been approoved, I inmediately called them to say that the I havent aksed for a loan, and they took my statement and told me that a fraud department XXXX will contact me, which never happened, I followed up calling them several times, never got an aswer, I found the Identity theft page on internet and oppened a case inmediateley, followed each step as of my case according to the web, send the letters to the burrous and to XXXX XXXX XXXX XXXXXXXX responded saying that they will open an investigation and after about a mointh thet responded that the investigation has been concluded and that they will remove that from my credit report. Still never got an answer from XXXX XXXX XXXX sent several letters XXXX them following the steps suggested by the identity theft website, in those letters I ask them to get back to me and show me the docucments, but they never did. and Know when I am finally recovering from the stress that this caused on me, I receive this email. I am drained and tired of how this credit buraus act causing damage to inocent people, I have plans to buy my first property soon, and with a negative remark on my credit this is not going to be possible, Please assist. Help me put an end to this situation that is really stressing and exhausting. I have all the documents and dates for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
debt validation letter I am writing in response to your recent communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act, I am requesting written validation of this debt. 1. Proof of the validity 2. Proof of your authority to collect this debt referenced above. 3. Detailed payment history 4. Verification of my liability. Please consider this letter a formal dispute of the alleged debt until you provide the requested documentation. Under the FDCPA ( 15U.S.C 1692g ), you must cease collection activities until you have validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I processed an international wire transfer of {$5000.00} to my husband, XXXX XXXX, with confirmation number # XXXX from my Bank of America individual checking account. The funds were intended for family support, and due to an unexplained delay, my family has faced significant inconvenience.

Initially, we waited five days, after which my husband visited his bank in XXXX. He was informed that the funds were still on hold by the senders bank in the U.S. Despite multiple attempts to resolve the issue, I encountered numerous challenges : Every time I contacted my banks international wire department, I was placed on hold for several hours without receiving any resolution.

When I visited my local branch for assistance, I was told they could not help me since the transfer was made online. 
On one occasion, I attempted to call the international wire department from my local branch, but minimal progress was made. I was only given a case number ( CASE ID : XXXX ) and a transaction number ( TRN : XXXX ) by XXXX XXXX From XX/XX/XXXX XXXX XX/XX/XXXX, I made repeated attempts to follow up with no success. 
On XX/XX/XXXX, I attempted again with my sons help and was finally able to escalate the matter to a XXXX. The XXXX called back the next day to confirm some information and assured me that the funds would be available by the end of the following week. However, the issue remained unresolved. 
Despite additional follow-ups after the agreed-upon timeframe, I still received no helpful information. When I requested that the funds simply be returned to my account, the bank claimed it was beyond their control, despite the recipients details being correct. 
Multiple attempts have been made to follow up with the customer service team, as I reach out every XXXX days with minimal progress or resolution. Most recently, a customer service representative hung up on me in the middle of our conversation.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX {$0.00}

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive paid off about 8 credit cards collections within the last month or show and i have yet to get removed even though balances show {$0.00} dollars and paid in full. I have letters account settled or paid in full. Yet i have yet to have them removed still showing on equifax and fico and experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are listing a court debt not published to the bureaus not as a legal filing but as a consumer debt the courts do not publish child support orders rather they are published by third party vendors such as XXXX XXXX XXXX XXXXXXXX  which is illegal as they publish inaccurate information this is a clear violation of the fair credit reporting act and the fair debt collection practices act and a violation of federal state and local laws and the bureaus are in defiance of those 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 2025-03-27 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: MS

Complaint narrative:
Willful Negligence in Identity Theft Case Failure to Block and Correct Disputed Accounts I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX XXXX XXXX o Incorrectly reporting XXXX and XXXX lates ( XX/XX/XXXX ). 
o All payments have been made as agreed. This violates FCRA XXXX ( b ). 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX lates across all bureaus. 
o These are inaccurate and were never validated upon dispute. 
XXXX XXXX XXXX XXXX XXXX XXXXrd o XXXX payment reported for XX/XX/XXXX, despite active dispute status. 
o Still showing unresolved remarks, despite dispute resolution filings.

You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter.

These agencies were notified in 2023 and failed to act. I am now escalating the matter. I am asserting my rights under federal law and will take further action if this is not resolved immediately. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current XXXX  Credit Report ( 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