vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Account Number : XXXX I originally paid off the debt on XX/XX/XXXX, but it still appeared as a charge-off on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I sent a letter to the company requesting an update to my credit report, asking that it accurately reflect the payment made and confirm that there was no delinquency as of XX/XX/XXXX. I requested a copy of the paid debt and the 1099-C form. 

On XX/XX/XXXX, I called to request the 1099-C form for the charged-off debt. I spoke with a representative named XXXX ( ID : XXXX ), who informed me that a 1099-C form had never been issued and that I would receive it within XXXX hours. 

When I did not receive the form, I followed up on XX/XX/XXXX. I spoke with Keyshaw ( ID : XXXX ), who confirmed that the request was on record but that no 1099-C form had been issued and no correction had been made to the reported debt. This is causing inaccurate reporting on my credit report, as the debt was paid off in XX/XX/XXXX, and there should not have been a balance reported in XX/XX/XXXX and I still am waiting since XXXX of XXXX for the 1099-c form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, NY XXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection/Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX  XXXX XX/XX/XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$340.00} Late Payment XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-01-01 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-01 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: NJ

Complaint narrative:
Packages have been sent out via certified mail to the XXXX main credit bureaus and all XXXX packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. 

The XXXX credit bureaus have not removed and blocked the accounts even though it has been beyond XXXX business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - XXXX XXXX - XXXX XXXX - TransUnion 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 2025-01-02 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I used XXXX to look up a list of credit card companies that will do a pre-qualification check on you with no impact to your XXXX XXXX. I came across a company called FORTIVA Credit Card that advertises they provide said qualification process at XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX upon clicking this link, I am taken to a screen where I thought I was putting in basic information. When I submitted- it said my application was denied, and then I was sent an email describing the reasons, including my XXXX XXXX. So evidently, this was not a pre-qualification screening - the link they provide sends you to a full blown credit application with a misleading " prequalification '' link. I just wanted to see if I was pre-qualified, I didn't want to submit a full-blown application for credit. This was very misleading and now may have a negative impact on my credit due to an inquiry made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC C/O Resurgent Capital Services XXXX, SC XXXX XXXX : Dispute of Debt Collection Account ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported under my name and appearing on my credit report. The account, originally from XXXX XXXXXXXX XXXX XXXXXXXX, is listed as an installment debt with a balance of {$630.00}. I do not recognize this debt and believe it may have been reported in error or is otherwise unverifiable.

In accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g and 1681i ), I am requesting the following documentation to validate this debt : 1. Proof of Debt Validation : Documentation that shows I am legally obligated to pay this debt. 
XXXX. Original Agreement : A signed contract between myself and XXXX XXXX XXXX XXXXXXXX, indicating that I agreed to the terms and the specific amount claimed. 
XXXX. Complete Payment History : A detailed record of all charges, payments, and correspondence related to this account. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am entitled to debt validation. If this debt can not be validated with sufficient documentation, you are required to cease collection efforts and remove this account from all credit reporting agencies. 

Additionally, if this account has been re-aged or improperly assigned without my consent, this constitutes a violation of the FCRA, as creditors and collection agencies are prohibited from reporting inaccurate or incomplete information. 

Please note that any failure to provide validation within 30 days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly legal action to enforce my rights. 

If the debt can not be validated, I demand that this account be immediately removed from my credit report and a written confirmation of its removal be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> American Express XXXX c/o CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, American Express does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report. 

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within XXXX  days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that American Express will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TomoCredit Inc.
State: NY

Complaint narrative:
Scammer people I keep make payments they never report it to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover charges unusually high interest rates ( over 30 % ) and fees as it is. I am reporting problems with accessing my account online which is keeping me from making additional payments to satisfy my responsibility -- so they can continue to charge additional fees making it more and more difficult to EVER pay off this revolving credit loan. The password I have recorded in my notes no longer works on the website. After supplying excess additional details JUST to pay my card ( would not work to log on to my account to make additional charges ) -- -I now have to wait for a code to be texted or called to my number to " confirm '' it is me trying to log on. I have tried requesting both a text ( twice ) and a phone call and NEITHER is coming to me. I can not make a payment due to this glitch on their end. I am requesting relief of fees for the past 3 months and lower interest rate by 5 percentage points or more so that I can pay this account down. The escalation is making it more and more likely that they will not see money from me at all because it will never be possible to make a payment! Please help. This is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: NY

Complaint narrative:
I have paid the account to zero balance on XX/XX/year>. The same day the statement came out. I reached out to the card company since they did not accurately reflect the correct information on the credit report. They said the balance would reflect XXXX balance and would be updated by the end of XX/XX/year>. As of today they are reporting I have increased my use of credit from {$370.00} to {$410.00} when this entire time I have a XXXX balance and a credit for overpayment of {$4.00}. I have disputed this with the credit report agency and the credit card company again confirmed the incorrect information as accurate. I have balance statements and live app information to confirm my information is a XXXX balance but neither the card company nor the credit report company will update to reflect the accurate information and continue to reflect the fraudulent reporting information.

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 2025-01-01 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report several fraudulent account sand inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and accounts have affected my life and resulted in several fraudulent hard inquiries and accounts and appearing on my consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX Social Security XXXX : XXXX SSN ), Consumer Date of Birth : 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX 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 hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification of Debt - XXXX XXXX XXXX XXXX  # XXXX Dear TransUnion, I am writing to formally request verification of a debt reported on my credit report. The account in question relates to an auto loan opened up with XXXX XXXX XXXX in XX/XX/XXXX Account # XXXX Upon reviewing my records, I believe that this debt is beyond the statute of limitations for collection in Illinois . According to the Fair Debt Collection Practices Act ( FDCPA ) and the laws of Illinois, creditors are legally barred from pursuing legal action on debts that have surpassed the statute of limitations. 
Please provide me with : Documentation verifying the debt, including the original creditor 's name and the date of the last payment. 
2. Confirmation that this debt is within the statute of limitations. 
If you are unable to provide this information, I request that you remove this account from my credit report, as it is potentially damaging to my creditworthiness. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND 1 Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation