vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SYNCB/CARE CREDIT. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SYNCB/CARE CRDIT Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SYNCB/CARE CREDIT. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated ________ ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-03-11 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: CREDIT ACCEPTANCE CORPORATION
State: PR

Complaint narrative:
XXXX  report that i have 2 auto loans ( Credit Acceptance Corp and XXXX XXXX ) i try to dispute these with XXXX but the results are that the account remain and these accounts are not mine.

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 2025-03-11 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: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NY

Complaint narrative:
Dear Hunter Warfield, This letter serves as a formal Cease and Desist request regarding your continued attempts to collect an alleged debt and your reporting of such debt to the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I demand that you immediately cease all forms of communication with me regarding this matter.

Unlawful Communication through Credit Reporting Please be advised that reporting negative information to credit bureaus constitutes a form of communication under the FDCPA. Since I am invoking my right to cease communication, any further reporting, updating, or re-reporting of this disputed account to any credit reporting agency will be considered a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Last year my identity was stolen. My phone, my wallet, my ss #. I opened an account years ago with XXXX XXXX and as soon as I saw they had gained access to my Bank of America account I contacted the bank. Since the items were not posted yet and still in process they could not do a stop payment or dispute until they processed fully. I have called weekly since XXXX telling Bank of America these are not authorized and I get told something different everytime. In face the person in the photo holding my stolen license is not even me that draft kinda provided. I have faxed and received confirmation that my Police reports, identity theft reports, statement, my current drivers license and the attempts Ive made to the company to alert them of fraud and they keep saying they dont have my documents and are refusing to listen to the situation.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I Reviewed my consumer report and noticed that this account : CREDIT FRESH HAS NOT REPORTED TO THE BUROS SINCE XX/XX/XXXX. and this account doesn't has the information accuracy, the buros assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. Please investigate and provide proof statement showing that this payment I did do The amounts are debited from the total amount of the debt, because it continues to show a debt that is not correct or accurate. 
Thanks I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ).

I am requesting, under the provisions of the Fair Credit Reporting ACT ( FCRA ), 15 USC Section 1681i, that you investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-11 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XXXX I went to have an oil change an front window replaced. The window covered by insurance. XXXX called after I dropped the car off indicating that they did not want to use insurance. I picked the car up and took it to XXXX who replaced the window. XXXX charged my credit card for the window. I disputed the charge providing both XXXX information and XXXX  information. M & T Bank never called either revered charges.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Final Demand for Removal of Child Support Reporting on Credit Report To Whom It May Concern, This letter serves as my final demand for the immediate removal of the child support reporting on my credit profile from Equifax, Experian, and TransUnion. I have previously requested that this erroneous report be deleted, yet no satisfactory resolution has been provided. I hereby reiterate that I never authorized the child support agency to report information to your respective credit bureaus regarding this matter. Furthermore, there is no evidence to support that I gave any consent or agreement to allow such reporting. The reporting of this child support debt is
unwarranted, and its continued presence on my credit profile is harmful to my creditworthiness. I consider this to be an unlawful action that has caused, and continues to cause, tangible harm to my financial standing and reputation. Please note that 15 U.S.C. 1681 ( I ) ( 7 ) mandates that when a consumer disputes the accuracy or completeness of information on their credit report, the credit reporting agencies must investigate the dispute within reasonable time and provide a description of their reinvestigation procedure within 15 days of the consumer 's request. Your failure to act in accordance with these statutory obligations constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ).

I request the following immediate actions be taken : 1 Immediate removal of the child support reporting from my credit profile with all three credit bureaus.

2 Compliance with 15 U.S.C. 1681 ( I ) ( 7 ), including providing a detailed description of the reinvestigation procedures.

3 Compensation in the amount of {$3000.00} from each credit bureau for the violations under the FCRA, including failure to delete the disputed report upon my request and failure to comply with the legal reinvestigation procedure.

Please be aware that this letter is my final attempt to resolve this matter before I seek formal legal action, including filing complaints with the Federal Trade Commission ( FTC ), and potentially pursuing a claim for damages resulting from these violations.

I expect a written response from all three credit reporting agencies within 15 days of receipt of this letter, providing evidence of the requested removal and an explanation of your investigation process. Failure to comply will leave me no choice but to escalate this matter legally. Send all pdf files to the CFPB complaint portal and send check for monetary damages to XXXX XXXX XXXX XXXX XXXX XXXX PAYABLE TO THE ORDER OF : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Final Demand for Removal of Child Support Reporting on Credit Report To Whom It May Concern, This letter serves as my final demand for the immediate removal of the child support reporting on my credit profile from Equifax, Experian, and TransUnion. I have previously requested that this erroneous report be deleted, yet no satisfactory resolution has been provided. I hereby reiterate that I never authorized the child support agency to report information to your respective credit bureaus regarding this matter. Furthermore, there is no evidence to support that I gave any consent or agreement to allow such reporting. The reporting of this child support debt is
unwarranted, and its continued presence on my credit profile is harmful to my creditworthiness. I consider this to be an unlawful action that has caused, and continues to cause, tangible harm to my financial standing and reputation. Please note that 15 U.S.C. 1681 ( I ) ( 7 ) mandates that when a consumer disputes the accuracy or completeness of information on their credit report, the credit reporting agencies must investigate the dispute within reasonable time and provide a description of their reinvestigation procedure within 15 days of the consumer 's request. Your failure to act in accordance with these statutory obligations constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ).

I request the following immediate actions be taken : 1 Immediate removal of the child support reporting from my credit profile with all three credit bureaus.

2 Compliance with 15 U.S.C. 1681 ( I ) ( 7 ), including providing a detailed description of the reinvestigation procedures.

3 Compensation in the amount of {$3000.00} from each credit bureau for the violations under the FCRA, including failure to delete the disputed report upon my request and failure to comply with the legal reinvestigation procedure.

Please be aware that this letter is my final attempt to resolve this matter before I seek formal legal action, including filing complaints with the Federal Trade Commission ( FTC ), and potentially pursuing a claim for damages resulting from these violations.

I expect a written response from all three credit reporting agencies within 15 days of receipt of this letter, providing evidence of the requested removal and an explanation of your investigation process. Failure to comply will leave me no choice but to escalate this matter legally. Send all pdf files to the CFPB complaint portal and send check for monetary damages to XXXX XXXX XXXX XXXX XXXX XXXX PAYABLE TO THE ORDER OF : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has reported these accounts despite their closure due to fraudulent activity and the inability to validate or verify them. In accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, these fraudulent accounts must be promptly deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-11 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding an issue I am experiencing with Portfolio Recovery Associates and its reporting on my credit report. 

I recently discovered that Portfolio Recovery Associates reported a debt to my credit report, which appears to be incorrect. I do not believe this account is valid, and I have made multiple attempts to resolve this issue directly with both Portfolio Recovery Associates and XXXX. Despite my efforts, the information remains inaccurately listed on my credit report. 

Specifically, the account in question is listed as a {$710.00} balance under Portfolio Recovery Associates with the status of Seriously past due. I have already reached out to Portfolio Recovery Associates, and they indicated that they entered a dispute for me, but I have not received any documentation regarding the dispute or a final resolution. Additionally, when I attempted to call the contact number listed on my report, I was informed that they could not locate any account for me. 

I have also tried disputing this directly through XXXX, but I am unable to submit the dispute or receive clarification on why the account is being reported. The account may also be past the reporting period or beyond the statute of limitations, making it eligible for removal from my credit report.

I kindly request that the CFPB intervene in this matter and help facilitate a resolution. I would appreciate assistance in ensuring that this inaccurate information is corrected or removed from my credit report. 

Thank you for your time and attention to this matter. Please feel free to contact me should you require any further information or documentation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I make purchases, the money is pulled immediately from my account. Then a few days later they pull the money again causing my acct to go in over draft and then they charge fees

Company response to consumer: Closed with monetary relief