vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to resolve this situation with each company on XX/XX/year>, asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
There is a car a XXXXXXXX XXXX XXXX that is in my name wich I didnt do loaned from Santander and Santander sold my debt to another company and didnt notify me and didnt ask to give my info to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
I am filling these formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX Reported : XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX Reported : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
I am filling these formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX Reported : XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX Reported : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The finance personel at XXXX XXXX was allowing other lenders to check my credit report without authorization. I already had XXXX XXXX XXXX XXXX who lends us the money. 
Once I found out 2 weeks later by the notification from XXXX that my credit score went down nearly XXXX points, I then contacted the finance personel at XXXX. 

He stated that they will cleared up but 1 hour later, he called back staring that their lawyer recommended that i should do myself.

I then told him that you did things without my acknowledgement and now i have to clean up myself?

I then told him to provide me all the lenders contact information s so I can call Then. He said he does not have it and i can search google. 

Thus occurred on XX/XX/year>2025 The leaders are as below ; XXXX XXXXl TD auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
The finance personel at XXXX XXXX was allowing other lenders to check my credit report without authorization. I already had XXXX XXXX XXXX XXXX who lends us the money. 
Once I found out 2 weeks later by the notification from XXXX that my credit score went down nearly XXXX points, I then contacted the finance personel at XXXX. 

He stated that they will cleared up but 1 hour later, he called back staring that their lawyer recommended that i should do myself.

I then told him that you did things without my acknowledgement and now i have to clean up myself?

I then told him to provide me all the lenders contact information s so I can call Then. He said he does not have it and i can search google. 

Thus occurred on XX/XX/2025 The leaders are as below ; COAF XXXXXXXX XXXX XXXX fXXXX XXXX XXXX Capital.one via dealership XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Hi. 
The vehicle was total lossed, insurance paid off the loan and it was covered by XXXX XXXX purchased from the dealership XXXX of XXXX. 
XXXX AKA XXXXKia Motor Finance XXXX wouldnt answer calls or respond to myself nor the XXXX XXXX during the claims period. 
This happened in 2020 during the pandemic and XXXX would not resolve due to being unreachable. 
I have disputes on my credit report, but they are still not resolved. 
Also wanting to note that XXXX consistently reported errors, inaccurate information and false information on my credit reports to all 3 bureaus.

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit Dispute Letter ( Data Breach + Inaccuracy Argument ) XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Credit Bureau Name : Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Subject : URGENT DISPUTE Demand for Removal of Unverified & High-Risk Negative Items To Whom It May Concern, I am writing to formally dispute inaccurate, unverified, and high-risk negative items on my credit report in light of : 1. Glaring Inconsistencies Across Bureaus - Delinquent Accounts : XXXX ( 2 ) vs. Experian ( 4 ) vs. XXXX ( 6 ) - Derogatory Marks : XXXX ( 7 ) vs. Experian ( 7 ) vs. XXXX ( 9 ) - Collections, XXXX ( 1 ) vs. Experian ( 2 ) vs. XXXX ( 3 ) These discrepancies violate FCRA 607 ( b ), requiring " maximum possible accuracy.

2. Recent Credit Bureau Data Breach The [ Year ] [ Bureau Name ] data breach exposed millions of consumers personal/financial data ( including mine ). Given this proven lack of data security, I have XXXX confidence in the integrity of the negative items reported. The FTC has repeatedly warned that breached data leads to **fraudulent or corrupted credit reporting. 

Legal Demands - Under FCRA 611 ( a ) ( 1 ), you must verify all disputed items within 30 days or delete them.

- Under FTC Data Breach Guidelines unverifiable data linked to a breach **must be treated as compromised and removed.

- Under FCRA 605, outdated items ( 7+ years old ) must be deleted. 


Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Final Notice Dispute of Unauthorized Collection Account I am writing to follow up on my previous letters, sent on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX regarding a collection account on my credit report that I believe is inaccurate. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I request that this account be properly investigated and removed.

Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

For your reference, I have attached copies of my previous correspondence along with supporting documentation, a debt validation letter sent to the collection agency that never received a response, an FTC report, a copy of my ID for verification purposes, and my SSN.

I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Im writing to follow up and formally reiterate my request for the removal of the items I previously disputed on my report. Although I submitted this request several months ago and provided all required documentation and supporting information, the items in question remain on my account. I would appreciate an explanation as to why this issue has yet to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX, XXXX, PA XXXX. 

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question I C System {$1300.00} **Personal Information : ** XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am experiencing a serious issue with Current Bank regarding a duplicate pending charge that has not been resolved. On Sunday, XX/XX/year>, a charge was authorized by me through XXXX. However, this charge ( and others ) was later canceled by XXXX. 

Despite this, Current allowed XXXX to issue a duplicate charge for the same amount on XX/XX/year>, and now refuses to act, claiming they can not dispute any charges until they settle even though the original charge has been pending for over 5 business days.

I have contacted multiple support agents who have repeatedly deflected responsibility, passed me around, and tried to shift the burden to me to contact the merchant even though the issue originated from a canceled transaction that should not have been duplicated.

Current has refused to escalate or take ownership of the problem, even after I explained that all charges were canceled and one should not have been re-issued.

I am requesting an immediate investigation, a formal dispute process to be initiated as soon as the transaction posts, and a review of their handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have reached out several times to have this disputed and removed from my credit report. Everytime I dispute it they say it came back verified. No one has given my any record of how it was verified or any of the information i request. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. This is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> my Ally Bank account was unexpectedly frozen. Since then, I have been completely unable to access my own money, including withdrawing, transferring, or closing the account.

I immediately contacted Ally customer service multiple times. Each time, I was told my account is under " investigation, '' but no one has been willing to explain why, what the issue is, or what I need to do to resolve it. I have offered to verify my identity using any documentation required ( e.g., ID, address, statements ), but they repeatedly refuse to verify me.

I asked to speak to supervisors on several calls, but I have been either given vague, non-specific answers or hung up on. The representatives consistently deflect and claim they can not give any timeline or further information due to the investigation.

Ally Bank does not have any physical locations, so I have no way to escalate or verify my identity in person. I also attempted to contact Allys executive office to resolve the matter, but I have not received any meaningful response. 

As of today ( XX/XX/year> ), it has been over a month, and I still can not access my own funds, which is affecting my ability to cover daily expenses and financial obligations.

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I made an online payment for my Target XXXX and inadvertently selected the wrong bank account. When I learned of mistake after my card was declined, I called Target and made a XXXX payment over the phone with a manger on XX/XX/year>. I expressed that I was very concerned that a negative available credit would impact my credit score. The manager informed me that as soon as the funds left my bank account, the available credit would be updated. The payment was reflected in my online Target account on Monday XX/XX/year> and the account reflected a XXXX balance due. As of today, Friday XX/XX/year> my available credit still reflects a negative amount and will be reported to the credit bureau as a negative balance despite the fact that they were paid in full 5 business days ago. I called again today, XXXX  XXXX hours on the phone for the manager ( XXXX ) to say I will have to wait and refused to provide a timeline. Reporting a negative availability on a credit card will impact my credit score when they have been paid in full for 5 business days. This is unfair and inaccurate reporting. I have been a card holder for over 10 years and have never had a problem with this card. Im appalled at the blas approach to helping customers with something as important as their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Requested that BOA tell me what made the balance higher on my mortgage. They told me not an issue and if I have a problem to contact the credit bureaus. 

Alert Date XX/XX/year> Balance Date XX/XX/year> Balance Amount {$120000.00} Prev Balance Date XX/XX/year> Prev Balance Amount {$120000.00} Name BK OF AMER Business Type XXXX Street Address XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-04-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief