vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
It has come to my attention that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXX  : ending in XXXX XXXX XXXX XXXX : ending in XXXX + XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

Tacit Agreement : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It has come to my attention that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXX  : ending in XXXX XXXX XXXX XXXX : ending in XXXX + XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

Tacit Agreement : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.

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 2025-01-30 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: MD

Complaint narrative:
Company name : Cap One Auto Finance Account Information : # XXXX Date Opened : XX/XX/year> I am writing to formally dispute the reporting of a charge-off on my credit report. The reporting of this account is inaccurate and violates several federal statutes designed to protect consumers like myself. Furthermore, I have reason to believe a 1099-C may have been issued for this account, which further necessitates the removal of the charge-off from my credit report. 



1. Failure to Properly Investigate Disputed Information ( 15 USC 1681i ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a timely and thorough reinvestigation of disputed items. I request that you validate this charge-off, including documentation that proves its accuracy, completeness, and compliance with legal standards. If you can not provide such proof, you are required to delete the charge-off from my credit report.

2. Furnisher Responsibility to Provide Accurate Information ( 15 USC 1681s-2 ) This section mandates that data furnishers provide only accurate and verifiable information to credit reporting agencies. If the creditor issued a 1099-C, this indicates that the debt was canceled, forgiven, or otherwise discharged. Reporting the charge-off after a 1099-C issuance constitutes inaccurate reporting, as the debt is no longer valid.

3. Notice of Correction for Billing Errors ( 15 USC 1666b ) The creditor may have failed to properly notify me of billing errors or provide me with accurate information regarding this account, in violation of federal law. I request that you provide documentation of the creditors compliance with this statute.

4. Implications of a 1099-C ( IRS Cancellation of Debt Notice ) A 1099-C form serves as acknowledgment by the creditor that the debt has been canceled or forgiven and may have been reported as income to the IRS. If a 1099-C was issued for this account, this debt can not be legally reported as owed or charged-off, as it is no longer collectible. Please provide proof that this account has not been canceled and is still valid. If no such proof exists, the charge-off must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Monies were taken out of my account from a company that I have not received any products or services. I have reached out to this company with no success. I informed BOA that this transaction was fraudulent and why. I also requested a stop payment/block for this merchant. BOA failed to do so, and additional monies continued to come out of my account causing hardship. I disputed the charge and informed BOA that I am not in receipt of any documents and the information present to them if fraudulent and that my signature has been duplicated. After 6-7 hours of speaking with individuals, nothing has been followed through, and BOA continues to allow this entity to take out funds. I was informed on two different occasions that the stop payment/ blocked has been put in place, to later find out from another rep that it was not done. I was informed that I would receive a call back, never happen. I was informed my multiple employees that my account was heavily documented, it was not. I am in a hopeless situation and BOA has allowed and continues to allow scammers to withdraw funds from my account. 

I do not have any documentation to provide as the promised email was never received and everything was completed electronically. I don't have an executed contract or any other type of documents. 

Please help as BOA had become a participate in this fraudulent activity

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 monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request the immediate deletion of an inaccurate account that is currently listed on my credit report. This account is involved in pending litigation, and as such, it should not be reflected in my credit history.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
In the past my identity was stolen and several accounts were created in my name. I disputed this information with XXXX XXXX and Equifax and submitted proper documentation and the accounts were blocked and deleted. Within the past few months one of those accounts were reinserted on my credit report. In XXXX of XXXX I disputed this fraudulent information again and was advised that it will be removed and there system had been experiencing some issues. At one point my complete file was blank. I proceeded to wait for this update but it was complete. I submitted a complaint with CFPB XX/XX/XXXXXXXX  and the company finally responded after 5 months. Even after that complaint and documentation submitted this company has closed the dispute and refused to block and delete the fraudulent account. As a direct result of these actions, my credit report has been severely damaged, making it incredibly difficult for me to obtain credit, secure housing, or even find stable employment. The inaccurate and incomplete information on my credit report has caused financial distress and has significantly hindered my ability to maintain stable living and employment conditions. These actions by XXXX are causing ongoing damage to my livelihood, which has already been affected by identity theft. Under FCRA 605 b mandates that any information reported on a credit report that has been identified as fraudulent due to identity theft must be blocked upon receipt of a consumer 's identity theft report. Violations of FCRA sections 611,609,623, and 605 b are being committed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying for a year to get access to my account to unfreeze it for a credit application. I now have a username and password. However, when I go to the website it attempts to verify my identity using a phone number or an email address that I do not recognize ( see attached ). When I tried on my phone they had the right phone number, but the code did not work. Three times it failed even though I absolutely put in the correct number. The ID confirmation is required to get a free credit report, which I do not even need but they seem to require me to request in order to get to the website to unfreeze my account. I have tried calling three times to address the problem but they keep sending me back to the web site. It is extremely frustrating. I tried this a year or so ago and had the same problem and gave up, so this has been a problem for a long time.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 
The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you will fully investigate this matter and provide a response within the time frame required by law. 

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 2025-01-30 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/year>, I applied for a Discover balance transfer card to consolidate {$13000.00} in credit card debt at 0 % APR. The online application required my income, expenses, total debt, and account details, making it clear this was a balance transfer request. After submitting, I received confirmation that my application was approved and would be processed within weeks. 

On XX/XX/year>, I received an email stating Discover was " unable to transfer the full amount, '' later specifying they could only transfer {$3000.00}. This contradicted the initial approval message. When I called, an Account Manager said balance transfers are not guaranteed and referred to a letter supposedly sent on XX/XX/year> ( which I have not received ). She raised her voice when I questioned the discrepancy and offered either to close my account or request a credit line increase. I chose the latter, only to be denied by an automated system. 

Discovers misleading application interface led me to authorize a hard credit inquiry under the assumption that my full balance transfer would be approved. Their process is confusing, approving a new card but not the balance transfer it was specifically intended for. Due to this, I am escalating my concerns to the Consumer Financial Protection Bureau and my state Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt Validation Letter for LVNV Funding LLC LVNV Funding LLC Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) I am writing in response to the debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and request full validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 



Under 15 U.S.C. 1692g ( b ), I formally request the following information : 1. Proof of Debt Ownership : A signed contract or agreement showing I have a direct legal obligation to LVNV Funding LLC. 

2. Chain of Custody : A complete payment history and a detailed breakdown of how the alleged balance of {$990.00} was calculated, including interest and fees. 

3. Proof of Assignment : A copy of the contract between XXXXXXXX XXXX XXXX XXXX and LVNV Funding LLC proving the transfer of debt. 

4. Proof of Authorization : Your companys collection license for my state, demonstrating that you are legally permitted to collect debts in my jurisdiction.

Additionally, under 15 U.S.C. 1681s-2 ( b ), if you are unable to verify this debt with proper documentation, you are required to request its immediate removal from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) . 



If you can not provide full validation within 30 days, I demand that you cease all collection activities and delete this account from my credit report. Reporting unverifiable or inaccurate debt violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and failure to comply will result in legal action. 



This letter serves as formal notice that I do not consent to phone communication. All correspondence must be in writing. Any further violation of my consumer rights will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



I expect your written response within 30 days of the date on this letter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
Bridgecrest credit XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXX/XX/year> Car repossessed and account closed. Remove this off my credit hurting me getting approved for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to formally dispute the incorrect negative accounts listed on my credit report. The information provided is not accurate, and I demand an immediate investigation into these discrepancies. These negative entries do not reflect my true credit history, and I expect them to be corrected or removed without delay.

Company response to consumer: Closed with explanation