vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am disputing the inaccurate information reported on my credit report by Capital One, account number XXXX. This account is listed as " Paid in settlement. {$230.00} written off '' and marked as " Potentially Negative. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **Incorrect Reporting of Charge Off and 1099-C Cancellation of Debt** : According to IRS regulations, specifically 26 CFR 1.6050P-1, a creditor must issue a 1099-C form when a debt of {$600.00} or more is canceled. The amount written off in this case is {$230.00}, which does not meet the threshold for a 1099-C form. Reporting this as a charge-off without issuing a 1099-C form is a violation of IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is inaccurate and misleading. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off is misleading and constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XXXX XXXX and it is marked as " Paid in settlement. '' However, the payment history still shows multiple charge-offs and past due statuses, which is inconsistent with the settled status of the account. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting. 

5. **IRS Violations** : The Internal Revenue Service ( IRS ) regulations under 26 U.S.C. 6050P require creditors to report the cancellation of indebtedness for any debt amounting to {$600.00} or more. Failure to issue a Form 1099-C for the canceled debt and incorrectly reporting the charge-off without proper documentation may constitute a violation of IRS regulations. 

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year>, my Robinhood investment accounts and checking was restricted for no reason whatsoever. They gave me a claim number to call for cases like these but every time I call and get on the phone and wait in line for XXXX hours+ and once its my turn the call drops, every time. And since my account is restricted, I cant access the main support chain which is through the mobile app. I have over $ XXXX in those accounts just restricted and its causing me financial distress and harm. Their customer support is so bad I had to reach out to them via social media but I still havent gotten any aid. 


I am writing to file a formal complaint against Robinhood Money LLC for the unauthorized restriction of my Robinhood Spending Account. On XX/XX/year>, without any proper authorization or notice, my account was restricted, leading to severe financial distress and infringement on my rights. This action violates my rights under federal consumer protection laws and the principles of equity. The restriction of my account without due process infringes upon my innate right to the pursuit of happiness and may constitute a violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure that Robinhood Money LLC complies with all relevant consumer protection regulations. Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have 2 credit applications at Arvest bank XX/XX/year> and one more credit application as of XX/XX/year>. 

One is a line of credit for {$20000.00} Second is a credit card for {$5000.00} Third is a loan for {$100000.00} XX/XX/year> I requested full disclosure of the records ( FOIA ) showing the recording of my application via Federal Reserve Form FR 2046. 

They denied disclosing me such information, adversely claiming that it is only information to be used between banks. That statement was unequitable regarding my interest and already establised instructions for my account and products proceeding on the matter. Arvest is on the course of breach of contract and several other depravation of rights. 

The record must show that the applications were exchanged for valuable consideration for the 3 credit products I currently have with Arvest Bank. On the pulaski clerk of courts record 's I expressly waive no rights and the applications are not a gift but were in fact exchanged for value.

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 2024-12-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-12-02 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: MO

Complaint narrative:
I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information. 
XXXX Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information. 
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 XXXXXX/XX/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 2024-12-02 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
n accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX XXXX has Violated my rights Via XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
They mailed me this letter back in XXXX. I called and told them I sold the vehicle. They now keep sending me threats that they will collet my taxes funds. The letter says I still had owned the vehicle when that happened. That is a false accusation though. Last year XXXX they didnt sent me this letter at all. Not sure why its XXXX and they now threatening me.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 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 XXXXXX/XX/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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On several occasions I have disputed the XXXX credit card account that appears erroneously on my XXXX credit report without receiving an effective response to the request, and I even made an identity theft report that I also sent but it is noted by XXXX, TransUnion and XXXX that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX  card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX, XXXX AND TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX, XXXX and TransUnion. XXXX XXXX XXXX Account number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Remove from my 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On several occasions I have disputed the XXXX credit card account that appears erroneously on my XXXX credit report without receiving an effective response to the request, and I even made an identity theft report that I also sent but it is noted by XXXX, XXXX and Equifax that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX  card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX, EQUIFAX AND XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX, Equifax and XXXXXXXX XXXX XXXX XXXX  Account number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Rented a car from XXXX rental, returned the vehicle but was told they found ashes in the vehicle so they assumed I smoked in the vehicle. I dont smoke so I continued to beg for my deposit back & they didnt give it back & still left me with a balance for cleaning when I didnt smoke. Ashes can fly in your car anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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