vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection accounts listed on my credit report, as they are the result of identity theft. I did not open or authorize these accounts, and I am not responsible for them. 

I recently I noticed reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these fraudulent accounts off of my credit report as they are wrongfully hurting my ability to obtain credit and they do not belong to me. 

The following accounts were fraudulently opened in my name : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have filed an identity theft report and am requesting the immediate removal of these accounts from my credit file under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2, which states that credit bureaus must block fraudulent accounts resulting from identity theft upon request. 

Enclosed, you will find the following supporting documents : A copy of my identity theft report A copy of my government-issued ID Proof of my current address I demand that these fraudulent accounts be permanently deleted from my credit report immediately to prevent further financial harm. 

Please provide a written response confirming the removal of these accounts. Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 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: NC

Complaint narrative:
I am formally disputing the inaccurate and unauthorized accounts appearing on my credit report with TransUnion, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. Specifically, the following entities are reporting false and unverifiable information : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have no open accounts with these entities, and their presence on my credit report constitutes a direct violation of the FCRA, which mandates the reporting of only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ). Additionally, continued reporting of these erroneous accounts, despite my formal dispute, constitutes willful noncompliance under 15 U.S.C. 1681n, exposing the responsible parties to legal consequences, including statutory and punitive damages.

I have already filed a Federal Trade Commission ( FTC ) identity theft report and a police report, both of which substantiate my claim. Pursuant to 15 U.S.C. 1681c-2, I am demanding the immediate and permanent removal of these accounts from my credit file. You are legally obligated to : 1. Conduct a reasonable reinvestigation into the disputed accounts within 30 days ( 15 U.S.C. 1681i ).

2. Provide written confirmation of the deletion or correction of the inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

3. Cease all reporting of these unverifiable accounts to any third parties, as failure to do so may constitute defamation, negligence, and a willful violation of federal law.

If these fraudulent and inaccurate accounts are not fully removed within the legally required timeframe, I will pursue all available legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office, in addition to pursuing civil litigation for damages. 

This letter serves as formal notice under the FCRA and related laws. I expect immediate compliance and written confirmation of the account deletions.

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 2025-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: AE

Complaint narrative:
I am the legal owner of a property, which is still encumbered by a second mortgage originally held by SunTrust Bank, now allegedly by Truist Bank. 
This second mortgage was charged off on XX/XX/XXXX, as confirmed by Truist in its prior CFPB response. Since then, there has been no foreclosure, no payment, and no collection activity for over XXXX ( XXXX ) years. 
In XX/XX/XXXX, I received a delayed copy of a letter dated XX/XX/XXXX, in which Truist stated it would retain the lien until the debt is paid or settled. I believe this constitutes an attempt to collect on a time-barred debt, in violation of Florida Statutes 95.11 ( 2 ) ( c ) and the Fair Debt Collection Practices Act ( FDCPA ).

The CFPB has issued an Advisory Opinion under Regulation F ( 12 C.F.R. 1006.26 ) confirming that debt collectors may not sue or threaten to sue for time-barred debts, including mortgage liens.

I am requesting that Truist release the lien and confirm that no foreclosure or enforcement actions will be pursued, given the age and legal status of the account.

Attempts to contact Truist via email at known addresses were unsuccessful. This formal dispute is therefore submitted through certified mail and the CFPB portal for proper documentation.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account is incorrect and the car has been paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: AL

Complaint narrative:
This account is being reported illegally. Under the No Surprises Act ( 2022 ) and updated FCRA guidelines, medical debt under {$500.00} may not be reported, and all medical debt must meet strict verification requirements. This account was transferred to a third-party collector without my consent, violating the FDCPA ( 15 U.S. Code 1692e ) which prohibits false or misleading representations. Any document or agreement was signed under duress during a medical emergency and is not legally enforceable. This is a deceptive, unlawful attempt to collect, and I demand immediate removal from my credit file in compliance with federal law. 


It's is for Fox collection center as shown in the image

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
spoke with company and figured out that my payment was applied to the principle and not the monthly loan amount, they fixed it but never removed the late comment. this still affects my credit. i did request that they do, so the company was giving me a hard time to begin with and was not trying to help me. they keep talking over me. company was very unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed A copy of my credit report and noticed I had a fraudulent Account on my credit report. please remove this account from my report, this is hurting the 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Friday XX/XX/year> - XXXX received a paper check from my employer and tried to deposit it mobile using their mobile deposit feature. The check was placed on a hold. I received a letter in the mail on XX/XX/year> stating the funds would be available for withdrawal on XX/XX/year>. 

Monday XX/XX/year> - XXXX was logged in to my account through their app and got kicked out. Upon attempting to log back in I was met with an error stating that I had attempted to login with a bad password too many times and needed to reset it. The password reset was now working so I called their corporate line and was then told that the account had been force closed. Despite this they accepted my check deposit and refused to tell me why the account was being closed that the information would be mailed to me. 

Friday XX/XX/year> - XXXX went to the bank branch to withdrawal the funds as promised and was told that they could not release the funds. I called their corporate line again and was told that the account was being closed and they would send me a cashier 's check for the balance in XXXX weeks. Since this is my paycheck I argued XXXX XXXX and requested they escalate it to someone who is able to release the funds. I was later told that I would be able to withdrawal the funds but since the bank was now closed I would need to go in the following day. 

Saturday XX/XX/year> - XXXX again went to the bank branch to withdrawal funds. At this time I was told that there was an ACH transaction pending and that I would now need to come in on Tuesday XX/XX/year> to retrieve the funds. Again, I called corporate, and was told that the funds couldn't be released at all and that I would have to wait for a check. 

Meanwhile, they have rejected transactions to the account and caused me to be quite delinquent on bill payments as I live paycheck to paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
To whom it XXXX concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXm writing you today as an aggrieved man. I have a checking account with Chime Financial Inc and my virtual debit card ending in XXXX was comprised. There are some unauthorized transactions that I have no knowledge of, nor do I know who committed this fraud. Acting in good faith, I contacted Chime Financial Inc regarding fraudulent activity on my checking account. 

I filed multiple disputes with Chime Financial Inc that were denied. Acting in bad faith Chime Financial Inc denied dispute # XXXX and XXXX. Chime Financial Inc asks during the dispute process if someone you know XXXX have access to your account and debit card info, I advised Chime Financial Inc my XXXX XXXX XXXXve access because we resided together, but I dont know for sure. Chime Financial Inc is claiming they denied my disputes for that reason. I at no time stated my XXXX  was the one who made these fraudulent transactions. I do not know who made these fraudulent and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are the accounts that I have issues with XXXX XXXX XXXX XXXX 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 2025-03-31 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXXXXXX XXXX XXXX  and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I sent my FTC report to experian, transunion and equifax. I have fraudulent accounts reporting on my consumer 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 2025-03-31 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: RI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the failure of Toyota Motor Corporation / Toyota Financial Services and their affiliated parties for failing to provide a lien release for our XXXX Toyota XXXX XXXX ( XXXX : XXXX ), despite the fact that the vehicle was discharged in our XXXX XXXX bankruptcy case and involved in a major car accident. 

Details of the situation are as follows : On XX/XX/XXXXXXXX XXXX XXXX our XXXX Toyota XXXX was discharged in XXXX XXXX  bankruptcy ( Case # XXXX ) in the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The auto loan associated with the vehicle was disposed of at that time. 

On XX/XX/XXXX, the vehicle was involved in a significant car accident in XXXX, Texas, and was totaled. The claim was filed with our insurance company, XXXX XXXX, under Claim # XXXX. 

XXXX XXXX has requested a copy of the lien release letter, as the auto loan was resolved and discharged in our bankruptcy proceedings. However, despite several months passing since the bankruptcy discharge, we have not received the lien release letter from Toyota.

Furthermore, Toyota did not attend the XXXX meeting in federal court on XX/XX/XXXX, regarding our XXXXXXXX XXXX   bankruptcy case. 

This lack of lien release is causing significant delays in processing the total loss claim for our vehicle. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX ( Fax : XXXX, Phone : XXXX ), has requested this document in order to finalize the claim. 

Given the above facts, I am requesting the Consumer Financial Protection Bureau 's ( CFPB ) assistance in compelling Toyota to provide the necessary lien release letter to both us and XXXX XXXX as soon as possible. 

We hope for a timely resolution to this matter and look forward to your prompt assistance. 

Thank you for your attention to this issue. Should you require further information, I am available at XXXX ( XXXX ) XXXX/ XXXX " XXXX '' XXXX ( XXXX ) XXXX or via email at XXXX / XXXX. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Collection Agency by name of Credence that is reporting inaccurate information. I never had a contract with them nor have they verified any information with me.

Company response to consumer: Closed with non-monetary relief