vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: LA

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 non-monetary relief
Consumer complaint received 2025-05-06 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX S.C. XXXX XXXX XXXX XX/XX/XXXX To : Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account # To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 

Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( XXXX XXXX XXXX ) XXXX 
XXXX. Provide written confirmation that this item has been permanently deleted. 

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief. 

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
CAPITAL ONE BANK ENTERED A JUDGEMENT LIEN AGAINST XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX  THE XXXX XXXX XXXX XXXX. MY MOTHER WAS A XXXXXXXX XXXX CITIZEN INCAPABLE OF MAKING DECESIONS SINCE XXXX DOCUMENTED BY HER DOCTOR. 
SHE LIVED IN XXXX XXXX, AND PASSED IN XXXX OWNING XXXX THIRD OF THE PROPERTY THE JUDGEMENT XXXX IS ATTACHED TO. THE COURT ORDER WAS FILED OUT OF HER JURISTRICTION, AND WE WERE NOT NOTIFIED OF ANY DEBT OR HEARING. THE JUDGEMENT WAS RECORDED WITH XXXX XXXX COURT ON ( XX/XX/XXXX ) I WAS MADE AWARE OF THE JUDGEMENT XX/XX/XXXX WHEN THERE WAS A TITLE SEARCH DONE TO SELL THE PROPERTY. 
I HAVE NO KNOWLEDGE OR VALIDATION OF THIS ALLEGED DEBT. I DO HAVE DOCUMENTATION THAT MY MOTHER WAS IN INCOMPETENT BEFORE THIS JUDGEMENT WAS ENTERED. MY SISTER, HUSBAND AND I ARE CO OWNERS OF THE PROPERTY, AND NEVER NOTIFIED EITHER. 
THIS IS NOT OUR DEBT AND WOULD LIKE THE XXXX RELEASED AND FILED WITH THE XXXX XXXX COURT. AS THE LEGAL EXECUTOR OF THE ESTATE, I HAVE THE AUTHORITY TO ACT ON HER BEHALF FOR ANY ALLEGED DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am writing to follow up on my previous dispute concerning several inaccurate and unverifiable accounts currently reported on my credit file. Despite my earlier request for a reinvestigation, I have yet to receive any documentation verifying the accuracy of these items or a conclusive response detailing your verification methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I erroneously sent money via Cash app to my girlfriends old account that she does not have access to. When trying to log in to this account it says account doesn't exist or can't be recovered. I contacted support and explained the problem, gave them her current cashtag so they could transfer funds sent to old cashtag. They explained that her old and new account are linked and she would have to call ( from her phone ) to resolve the issue. 

She called and gave them all the info she could about the old account and obviously has the new ones credentials. also, set up her ID verification within the app. After doing so, the customer service rep tells her " we will TRY to transfer the funds from the old to the new account and she can't guarantee it will work ''. The process did not work and she informs her to try again in an hour. I asked, " what if it doesn't work after an hour? '' To which she replied " try again another hour ''. 

Two problems I have with this less than helpful excuse of support. Mainly, if her old account doesn't exist or can't be recovered, why would it still be able to receive money? Secondly, if the accounts are linked why can't the money simply be placed in the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-05-06 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is a response to your letter dated XX/XX/year> : XXXX. I did not send you or XXXX XXXX XXXXXXXX ( XXXX ) any IRS FORM 1099-OID, Original Issue Discount. I sent you and XXXX XXXX XXXXXXXX ( XXXX ), IRS FORM 1099-C, Cancellation of Debt. So, I hope this was an error on your part and not a case that your business is engaging in Deceptive Business Practices which is prohibited by the Federal Trade Commission ( FTC ) Act, codified at 15 U.S. Code 45.

2. Form 1099-C, Cancellation of Debt that was mailed to you directly to take care of this Accounting Tax matter. You should have adjusted the Account Ending in XXXX XXXX XXXX as per IRS 1099-C instructions. If you still refuse to adjust the Account to Zero as per IRS 1099-C instructions, then I may have to file form IRS Form 3949-A, Information Referral to report this Accounting Tax matter directly to the IRS.

3. As per the matter regarding the rights of a third party collecting on my account : We may sell, assign, or transfer any of all of our rights or duties under this Agreement on your account, including our rights to payments. We do not have to give you prior notice of such action. Any person, company, or bank to whom we assign this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or obligations shall be affected by such assignment. You may not sell, assign, or transfer any of your rights or duties under this Agreement or your account.

First of all, only consumers have rights. I guess this Agreement goes against the Fair Debt Collection Practices Act ( FDCPA ), a Federal Law that protects consumers. Since this Agreement was unilateral, I rescind my signature from this Agreement that goes against the FDCPA. Please see my signature and date below.

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 2025-05-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-05-06 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: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XX/XX/XXXX Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a dispute to American Express concerning the accuracy of this account, requesting specific documentation to verify its validity, including a certified copy of the original signed contract or proof of an online signature establishing the debt. I followed up with a second dispute on XX/XX/year>. I received a report from XXXX indicating that you, as the furnisher, marked the account as verified. However, none of the requested documentation was provided, leaving me unclear on how the accounts accuracy was confirmed. On XX/XX/year>, I sent correspondence to XXXX  in reference to their inadequate response. Again, I received a report from XXXX indicating that you, as the furnisher, marked the account as verified. 
Additionally, the credit reports that XXXX  provided me contained an account number that does not match the account numbers you provided ( ending in XXXX and XXXX ). This discrepancy raises further concerns about the accuracy of the information being reported and the process used to verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt however that information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy my ID, the FTC complaint and a copy of the NPD report showing my information being exposed in a national data base

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 2025-05-06 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: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt however that information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy my ID, the FTC complaint and a copy of the NPD report showing my information being exposed in a national data base

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 2025-05-06 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief