vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above.

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : 1. Confirmation of the charge-off status for the account.

2. Details concerning the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Additionally, I would like to request a copy of Form 1099-C for this account.

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering XXXX XXXX XXXX 

Thank you for your prompt attention to this matter.

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 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to the recent data breach I was affected. My personal data was shared on the dark web. I would like these items to be removed off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to express my concern and dissatisfaction with the refusal of the XXXX major credit bureausXXXX  XXXX, and XXXX remove hard inquiries from my credit report that I believe were made in error or without my authorization. 

Despite following the proper dispute process through these credit bureaus, they have maintained the presence of these inquiries on my report, which is negatively affecting my XXXX XXXX and overall financial health. 

Here is a summary of the situation : Date of Dispute : [ Date you filed the initial dispute ] Credit Bureaus Involved : XXXX, XXXX, XXXX Hard Inquiries in Dispute : Creditor/Company Name with XXXX are XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for Dispute : " I did not authorize this credit check, '' or " I was not informed that this would result in a hard inquiry. '' ] I have followed all the necessary steps, including submitting a dispute to the credit bureaus with the required documentation, but have yet to receive a satisfactory resolution. These inquiries continue to impact my credit report, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Given the situation, I respectfully request the FTC 's assistance in investigating this matter. I am requesting that the unauthorized hard inquiries be removed from my credit report immediately. If the credit bureaus continue to refuse this request, I would appreciate your guidance on further steps I can take to rectify this issue. 

Thank you for your attention to this matter. Please let me know if you require any further information from me to proceed with your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number?

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been unable to access the funds in my Citibank account for several months. When I contacted Citibanks customer service, I was informed that I needed to visit a physical branch to resolve the issue. However, the nearest branch is several states away, making this option unfeasible for me. 

As an alternative, I was instructed to mail a letter to Citibanks address in XXXX XXXX, TX. I sent a detailed letter requesting my account to be closed and for the remaining funds to be mailed to me via check. When I did not receive a response, I sent a second letter. Upon following up with Citibank, I was told that neither of my letters had been received. 

In the meantime, Citibank has continued to deduct {$15.00} in monthly fees from my account balance, as indicated on the statements still being sent to my home. I find this unacceptable, as I have not been able to access my funds or resolve this issue despite repeated efforts. 

I am requesting immediate assistance in closing my Citibank account and having the remaining balance sent to me via check. I also want the monthly fees deducted during this period of inaccessibility to be refunded.

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 2025-01-04 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:
I am disputing a debt with XXXX XXXX XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 
According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
During the time I resided at my previous apartment ( XXXX XXXX ) I set up my account with XXXX XXXX and after my lease ended the apartment complex attempted to collect a balance of {$280.00} for electricity serivces

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Reported Late payment from Credit Card CB Indigo on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: FL

Complaint narrative:
I am XXXX years of age and I think the people that is working was very rude and hung up on me several times and they also made me send in my birth certificate and I'd and XXXX and still wouldn't it set my card up so I can pay my daughter bills she about to be put out for none sence that's going on with your staff and also they made me go to the XXXX place to show I'd I did and still not letting me set my card up that's not fair my XXXX daughter shouldn't have to go with out something need to be done about it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thanks to ever if u can't reach me by the XXXX you can call my daughter phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
Hello My Name is XXXX XXXX and i want to report identity thief in the year of XXXX  i was sentence to federal prison XXXX  years I recent notice some items on my credit report that was not authorized by me. Due to me being incarcerated from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX see attached document

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I pulled my credit profile and there is incorrect personal information being reported. Please remove these names and addresses that do not belong to me and names that are not me. 
I have tried to get this information corrected but the Experian will not remove them and by law only accurate information should be listed on my credit profile. These are errors and need to be corrected and removed immediately. 
There should only be XXXX name being reported on my credit profile 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 2025-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my utmost frustration and demand immediate action regarding the unauthorized hard inquiries appearing on my credit report. Despite multiple attempts to address this issue, your department has failed to provide a resolution.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Dear Capital One : This letter is to confirm that I wish to close Quicksilver account ending in XXXX because of the low credit line and lack of credit line increases. Please report to all consumer reporting agencies " ACCOUNT CLOSED PER CONSUMER REQUEST ''.

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-01-04 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA.

Thank you for your attention to this matter.

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