vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: OK

Complaint narrative:
I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were Equifax accounts were not listed but they were listed on XXXX XXXX and or XXXX please review this inaccuracy and delete the inaccurate accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ XXXX ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and 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 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
Upon checking my credit report approximately a week ago, I noticed a collections company named Central Portfolio had reported a negative debt in the amount of {$1000.00}. I would have never noticed had I not checked my credit report that I had a debt in collections because I had never received a debt validation letter or anything in particular alerting me of such debt. Judging from the limited amount of information left on my credit report, it appears to be a medical bill of some sort that was placed in collection somewhere in the time frame of XX/XX/year>. From my interpretation, I thought it was the collections agency 's obligation to send me notification in the form of a debt validation letter via mail which I never received. I disputed the negative findings on my report but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
I noticed there was inaccurate and unauthorized use of my credit report. There is a reporting of my birth year as XXXX  which is inaccurate. I also noticed addresses and employment that is inaccurate as well My Legal Name is XXXX XXXX XXXX. This Is my Only Name. 
My Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This Is My Only Address My Employment is XXXX .This Is My Only Address. 
There Should be no Other Adresses Reporting 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. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2024, I made a payment of {$500.00} to one of my open credit accounts with Capital One. This was an online payment and was directly deducted as an ACH payment from my personal checking account with XXXX XXXX XXXX XXXX. On XX/XX/2024, Capital One marked the payment as " Returned for Insufficient Funds '' which removed the {$500.00} amount from my available credit line ; however, XXXX XXXX has confirmed with me through XXXX different agents that the funds were available in my personal checking account at the time that they payment was made. The funds were in fact deducted from my personal checking account, but a return was never received when Capital One rejected the payment. As such, the payment I made of {$500.00} was neither credited to my Capital One account nor returned to my personal checking account. Furthermore, on XX/XX/2024, Capital One charged my personal checking acccount with an additional {$9.00} charge for insufficient funds on the supposed returned payment. This was not necessary at they had taken the {$500.00} from my account and the error of returned payment results from their system failures, not my lack of funds. 
On XX/XX/2024, I was in the process of making another payment, and I noticed the returned payment error. I authorized my wife to speak to an agent from Capital One while I was at work. This agent emailed me a secure link to upload the following documentation to allow for further investigation : A detailed bank statement showing the payments has cleared your funding account ; A letter from your bank advising Capital One that your payment was returned in error ; and A copy of the cashed payment. The agent advised me that the final document was not needed as my payment was made online. I provided Capital One with the needed documentation in a timely manner. On XX/XX/XXXX, I followed up by calling an agent that informed me that these sort of requests can take up to 90 days to process. Although I was frustrated, I decided to let the process unfold before taking further action. From the time of the opening the investigation with Capital One, I have spoken to at least XXXX agents from XXXX XXXX XXXX XXXX ( on the phone, over email, and in person ) that have assured me that the funds were deducted, the returned payment and attached charge was an error by Capital One, and that the {$500.00} payment was never received back in my personal checking account. 
We received a letter from Capital One a few days after the XXXX holiday informing us that they were " unable to process our request '' and that the investigation into the returned payment was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX services Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries : XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from 3 your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance : XXXX XXXXXXXX Dates : XXXX and XXXX Late Closed

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My personal information was obtained through a data breach and I have dark web alerts on my credit report with someone having my social, maiden last name and using an address Ive never lived at.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: OK

Complaint narrative:
I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were XXXX accounts were not listed but they were listed on XXXX XXXX and or Experian please review this inaccuracy and delete the inaccurate accounts

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX and Experian due to their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy. 

HIPAA Violation : XXXX XXXX appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA Privacy Rule Violation, contained in 45 CFR Parts 160, 162, and 164.

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, XXXX XXXX has not provided sufficient documents to prove the validity of the debt.

FCRA Violation ( 15 U.S.C. 1681s-2 ) : XXXX XXXX reported this medical debt to the credit bureaus without verifying its accuracy. Additionally, they failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I made a complaint through CFPB about Equifax not updating my name as the information has been changed for several years and 2 letters and 4 online disputes have been sent. Always saying the information has been updated but nothing changes and their website still shows I have XXXX credit history when I have multiple credit cards through different banks and have for years. On my last complaint I was told to mail a copy of ID and SSN, I complied, printed the information, and sent the requested information on XX/XX/XXXX and on XX/XX/XXXX they sent a letter, responded saying the information I sent was verified as correct, and updated as they always do, yet now on XX/XX/XXXX their website still says the incorrect name, no mention of my correct name, and when I request a credit report it just says to try again later like it did months ago on my most recent CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for 1099-C Form Dear NAVY FEDERAL CREDIT UNION I am writing to formally request the issuance of a 1099-C ( Cancellation of Debt ) form for the debt associated with my account number [ insert account number or reference number ]. According to 15 U.S. Code 1635, I understand that I have specific rights regarding the cancellation of debt and the proper documentation associated with such transactions.

As you are aware, a 1099-C form is essential for tax reporting purposes when a debt of {$600.00} or more is canceled or forgiven. I kindly request that you provide me with this form for the tax year [ insert relevant tax year ], as I need to ensure my financial records are accurate and compliant with IRS regulations. 

Please also include any relevant information regarding the cancellation of the debt, including the amount that was canceled and the date of cancellation. 

I appreciate your prompt attention to this request. If you require any further information or documentation from my side to process this request, please let me know. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
I GOT A NOTICE THAT MY PERSONAL INFO WAS IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE INFO AN ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
I GOT A NOTICE THAT MY PERSONAL INFO WAS IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE INFO AN ACCOUNTS

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