vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the accounts LVNV XXXX on my XXXX report. I have no knowledge of this collection account and would like to verify its legitimacy. 

I have asked someone to Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that you CFPB take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports

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 2025-02-02 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: FL

Complaint narrative:
I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control.

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 2025-02-02 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: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently reviewed my credit report and identified the following inaccurate and/or unverifiable information : [ Account Name & Number ] Nature of the Dispute : [ E.g., Incorrect balance, fraudulent account, outdated information, inaccurate payment history, etc. ] Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of credit report information. The information in question is inaccurate and is harming my credit profile.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information are prohibited from reporting inaccurate or incomplete data to credit bureaus. If the information can not be verified, you must delete or correct it in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I have enclosed copies of supporting documentation, including [ mention any included documents, such as identity verification, bank statements, or letters from creditors ], which substantiate my claim. I request that you : 1. Conduct a full investigation as required by law.

2. Provide written documentation supporting the accuracy of the disputed information.

3. Remove or correct any information that can not be verified.

4. Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or a civil lawsuit under 15 U.S.C. 1681n and 1681o, which provide for damages, attorney fees, and punitive measures against noncompliant entities.

Please respond to this dispute in writing at your earliest convenience, but no later than 30 days from receipt of this letter, per FCRA guidelines. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
these accounts were opened under my name and inquiries I have been fighting due to a breach on my credit report. these accounts were opened and I have been fighting them since and the credit bureaus have not been compliant in there research most of the time i dont even get a response back

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 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Account Number XXXX To Whom It May Concern : This letter serves as a formal demand to cease and desist all communication with me regarding the above-referenced account, which you are attempting to collect. This demand is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692c ( c ) **, which prohibits debt collectors from contacting consumers who have notified them in writing to stop communication.

Additionally, I am disputing the validity of this debt pursuant to **15 U.S. Code 1692g**. I request that you provide verification of the debt, including but not limited to : 1. Proof that I owe this debt. 
2. Documentation showing the original creditor and the chain of ownership of the debt.

3. A detailed breakdown of the amount claimed, including interest, fees, and any other charges.

Until you provide such verification, I demand that you cease all collection activities, including reporting this account to any credit reporting agencies.

Furthermore, I am aware of my rights under **15 U.S. Code 1681e ( b ) **, which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. If this account is being reported inaccurately or without proper verification, I reserve the right to take legal action to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **.

This letter serves as formal notice of the following : 1. You are to cease and desist all communication with me, except as required by law ( e.g., to confirm cessation of communication or to notify me of specific actions, such as filing a lawsuit ). 
2. You are to provide verification of the debt as outlined above.

3. You are to immediately stop reporting this account to any credit reporting agencies until the debt is verified. 

Failure to comply with this demand will result in legal action against your company for violations of the FDCPA, FCRA, and any other applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I sent in tender letter to be added to application for tender payment under fed code sec 16.1 and 16.2.

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 2025-02-02 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: WI

Complaint narrative:
I requested XX/XX/year> to remove this fraud inquiry & I been ignored by Equifax. 
Im not truly protected with Equifax fraud alerts, etc. I was a victim of ID theft again, my info was stolen in the XXXX XXXX XXXX XXXXXXXX breach, Equifax data breach, XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach. My emails, phone number, bank accounts were hacked & my credit is once again compromised & this fraud inquiry ( XXXX XXXX  ) was placed on my Equifax credit report on XXXX Equifax continues to violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: VA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Upon reviewing my credit file, I discovered these inquiries, which I did not authorize or provide consent for. As this is my first request for investigation, I expect you to handle this matter in strict adherence to the Fair Credit Reporting Act ( FCRA ).

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 2025-02-02 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumers Financial Protection Act ( CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), 5564, and 5565 as highlighted in the CFPB 's recent administrative proceeding ( Case No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX I 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 XXXXXXXX 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
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HUNTING MY ABILITY TO OBTAIN CREDIT.

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 2025-02-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HUNTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank is saying that this was settled for less than the debt amount which is completely false. The account was settled in full directly with them. They know this account is older than the statute of limitations and I want this false derogatory information deleted immediately.

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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Kovo
State: FL

Complaint narrative:
Information is being reported inaccurate. On my credit report

Company response to consumer: Closed with explanation