vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information including my social security number was exposed in the data brief through XXXX XXXX credit karma XXXX XXXX etc

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 2025-03-03 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: AL

Complaint narrative:
My Credit report was exposed to a data breach. My identity has been used to open false accounts and put late payment history on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On today, XX/XX/XXXX, I logged into My Synchrony Bank account where I have 4 credit cards with Synchrony. I initially received a {$7000.00} credit limit from Mattress Firm in XXXX and have made 2 purchases. Today, I realized that I no longer had the {$7000.00} limit. My balance showed {$480.00} with only {$65.00} left to spend. I immediately called the number on the back of the Mattress Firm credit card. I spoke with a female customer service representative amd when I asked her what happened to my limit, she claimed that they sent a letter on XX/XX/XXXX or XXXX and sent me an email informing of what they did. I have yet to receive this notification. She then told me that they took my {$7000.00} credit limit down to {$550.00}. This significantly hurt my credit score because now it appears as though I have 88 % usage of this {$550.00} limit with {$480.00} being used of the {$550.00}, leavingme with {$65.00} to spend. She told me pulled my XXXX report and that my mortgage balance hadn't not gone down enough. I've only had my mortgage for 3 years so I'm not sure how much they expect to be paid towards it in 3 years when its a 25 year contract. She told me my student loan balance hadn't not gone down enough. My loans have been in forbearance for several years and I'm not required to make a monthly payment. It shows pays as agrees on everything I have. She also stated that usage is too high on other cards. I feel that none of my other credits should have any bearing on the other. I did not request a credit increase and they checked my report without my knowledge. They refused to reinstate my originally approved {$7000.00} limit and told me i would have to apply for an increase. My score had improved after maintaining my bills and monthly payments, rising to over XXXX. I've worked too hard for Synchrony to be able to do this and drop my score as much as it did. I had plans to trade my vehicle soon due to car issues and no warranty to cover the maintenance it needs and definitely won't be able to do so with the low scores I now have. No bank is going to approve me after this. It has caused emotional distress on me that is completely unfair after the years it took me to fix my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Information was leaked in several data breaches. For the last three years I should have no inquires on my account. All the addresses on my accounts are incorrect except my current address. XXXX XXXX XXXX XXXX FL XXXX. I also have a late payment that were never late. I have an account on my report from XXXXXXXX XXXX  that is not accurate I never had an account with this bank.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XXXX XXXX and XXXX have a negative credit card debt on my account from XXXX XXXX XXXXf {$300.00} thats not mine Ive disputed it but no response or results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was breach by Equifax, Experian and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX I expect that you will fully investigate this matter and provide a response within the time frame required 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 2025-03-03 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: WI

Complaint narrative:
I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal information including my social security number was exposed in the data brief through Equifax XXXX XXXX XXXX XXXX XXXX etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information including my social security number was exposed in the data brief through XXXX Experian XXXX XXXX XXXX XXXX etc

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from Santander Bank for the amount of {$55000.00}. XXXX XXXX a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

Santander Bank allowed this fraud to occur, and both XXXX and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor Santander have taken adequate steps to rectify this matter.

This fraudulent activity has had a significant negative impact on my life. My husband is a military veteran, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud.

Additionally, it is now important to note that this loan has been charged off by Santander. Based on the precedent set in Guffer v. USAA Federal Savings, the charge-off was removed after the filing of a 1099 form. Santander can not both charge off the debt and continue to collect on it, especially since this debt is not mine.

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Dear Credence Resource Management I dispute that I established an account with the stated debt amount or signed a contract with you or your assigned or assignor. If you purchased this debt please provide a statement and affidavit to that fact. If you can not comply with my demands please remove this account from my credit report. 
Company/Collector Credence Resource Management Account XXXX XXXX {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$270.00} Terms - On record until XX/XX/XXXXXXXX XXXX

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

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

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

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
In XXXX I opened the Cash App app to check my account and I found out that I was banned for violating their acceptable use policy. I kept pressing them for answers as to why I was told that they were not allowed to divulge that information to me. Eventually they stopped responding to my inquiries and it was like I was talking to myself. It is now XXXX and both my email and Social Security number are still banned with them and I can't make a new one without getting flagged.

Company response to consumer: Closed with explanation