vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX ) XXXX XX/XX/year> {$2000.00} Dear Madam/Sir, RE : Cease and Desist Requests I am writing to formally request that XXXX XXXX  XXXX cease and desist from all collection activities regarding the account ( s ) referenced below. This letter is being sent to formally invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, and all other applicable federal, state, and local laws regarding debt collection and credit reporting. 

I have reason to believe that the practice is related to my account, including but not limited to reporting to credit bureaus, and may be in violation of these laws. therefore, I request that : XXXX. Immediate Cessation of Collection Efforts : Attempts to collect on this deck, including phone calls, letters, emails, and any other forms of communication, cease immediately. 
XXXX. Reporting to Credit Bureaus : Any negative credit reporting related to this debt be stopped immediately in reversed. Further credit reporting regarding this matter is to be seized and removed as outlined under the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681. 
XXXX. FDCPA Compliance : As per the FDCPA, I am exercising my Right under section 1692c ( c ) To formally request that you cease future communication regarding this debt, including any communication related to your attempt to collect the balance.

Please be advised that failure to comply with these requests may result in further action to enforce my rights under applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and State Authorities.

Should you continue to attempt to collect this debt in violation of my rights or continue to report it inaccurately to credit agencies, I will have no choice but to pursue legal remedies available under the FDCPA, including potential civil claims for damages. 

I expect written confirmation from XXXX XXXX XXXXXXXX that my requests are being processed in accordance with the above. 

. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-09 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank use XXXX, XXXX words terms with me on the phone, calling me brown etc. THEY REFUSED TO INVESTIGATE THE CREDIT CARD FRAUD REPORTED LAST MONTH WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$170.00}. I CALLED THEM UP AND THEY HAD NO RECORD AND REFUSE TO INVESTIGATE. DO NOT SEND ME A NEW CARD, I GOT A NEW CARD AFTER I REPORTED THE INCIDENT. HOWEVER, INVESTIGATE THE INCIDENT AND GIVE ME A CONDITIONAL CREDIT DISPUTE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have received an unsolicited VISA credit card from CHIME and separately an unsolicited CHIME VISA Debit card. These are real cards with full numbers and security chips.

I did not request these cards and have had absolutely no contact with CHIME.

There is no contact info or phone number on either of the cards or the enclosed papers so it '' s impossible to know who to phone to close these unsolicited accounts.

Again, I have had NO contact with CHIME. I did not apply for any cards. Any use of these accounts is clearly a fraud attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXXXXXX closed a joint account I held with my ex-wife after she unknowingly deposited a check from a closed account. I had no knowledge of or involvement in this deposit, and I did not authorize or benefit from it in any way. 

XXXX months later, XXXX XXXX XXXXXXXX also closed my personal checking account, which was entirely separate and had no fraudulent activity whatsoever. Following this, Bank XXXX XXXX reported XXXX Account XXXX under my name to Early Warning Services ( EWS ). As a result, I have been unable to open new bank accounts. XXXX closed my newly opened account after only 10 days due to this false report, and I have experienced significant financial hardship and reputational harm. 

I filed a dispute with EWS in XX/XX/XXXX and submitted an affidavit from my ex-wife clearly stating that I had no involvement in the check deposit. In addition, my ex-wife contacted Bank XXXX XXXX directly, and a XXXX representative confirmed to her by phone that I was clear and not associated with any wrongdoing. Despite this internal acknowledgment, no correction has been made. 

My EWS report also contains serious reporting errors : It lists the same joint account twice once correctly as a joint account, and again falsely as a personal account with an overdraft. 
My XXXX Bank XXXX XXXX account is still listed as XXXX, even though it was closed in retaliation for an issue I was not responsible for. 
XXXX XXXX XXXXXXXX took no steps to investigate my role before closing my personal account. I was a loyal BOA customer for over 12 years with no history of misconduct. The closure of my account based on a situation outside my control was unjust and has had serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

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 2025-04-09 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your XXXX. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX acct # : 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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I originally opened an account with Wachovia bank back in XXXX. Wachovia changed over to Wells Fargo and in XXXX, I called Wells Fargo regarding accounts that were opened in my name that I did not authorize. There was never any follow up from them regarding this. In the last year I have been reaching out to Wells Fargo regarding accounts full account of any and all accounts that were and are opened under my name and social security number. I know of 4 accounts, A business check and savings and a regular checking and savings. I was told last year that a settlement check would be sent to me but I have yet to receive it and would like whatever is due to me considering what damage these open accounts have done and restricted my access to better rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Breach of personal information under FCRA.

Spam emails calls and texts from unsolicited third parties that now have my undisclosed personal information.

Using 15. U.S.C 1692C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Subject XXXX Request to Update and Remove Incorrect Personal Information To Whom It May Concern at TransUnion, Equifax, and Experian , I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXX XXXX XXXX, XXXX, DE XXXX ( Please remove all other addresses ) Phone Number : XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the Following Documents for Verification Purposes : A copy of my state id A XXXX form verifying my current address and employment In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. I would appreciate your prompt attention to this matter and request a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I am entitled to have my personal information accurately reflected on my credit report as per FCRA regulations. Accurate personal information is crucial for my credit profile, as inaccuracies can negatively affect my credit score and future financial opportunities. I would appreciate notification of any updates made to my file as a result of this request. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Subject XXXX Request to Update and Remove Incorrect Personal Information To Whom It May Concern at TransUnion, Equifax, and Experian , I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXX XXXX XXXX, XXXX, DE XXXX ( Please remove all other addresses ) Phone Number : XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the Following Documents for Verification Purposes : A copy of my state id A XXXX form verifying my current address and employment In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. I would appreciate your prompt attention to this matter and request a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I am entitled to have my personal information accurately reflected on my credit report as per FCRA regulations. Accurate personal information is crucial for my credit profile, as inaccuracies can negatively affect my credit score and future financial opportunities. I would appreciate notification of any updates made to my file as a result of this request. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

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 2025-04-09 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please delete the following : XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX Balance {$110.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX XXXX {$0.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$420.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$750.00} XXXX  XXXX  XXXX Balance {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX  XXXX Balance {$780.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX Balance {$520.00} XXXX XXXX  Original XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX  Original XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX  XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A XXXX Balance {$600.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$460.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Balance {$1300.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX A XXXX Balance {$720.00} XXXX-XXXX  XXXX  XXXX  XXXX Balance {$750.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation