vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am submitting a formal complaint against Capital One Bank and XXXX XXXX  for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including the illegal reporting of canceled debt, unauthorized hard inquiries, and failure to correct inaccurate information.

Additionally, I am issuing a Cease and Desist Notice to prevent further unlawful actions that harm my credit standing. These creditors and reporting agencies must immediately cease all inaccurate reporting and remove all false, outdated, or unverifiable information from my credit report. 
Complaint Overview : Continued reporting of discharged debt despite Form 1099-C issuance Unlawful hard inquiries without permissible purpose Failure to correct false and outdated credit information Furnishing inaccurate and misleading data to credit bureaus FCRA Violations Identified & Legal Basis : 1. Illegal Reporting of Canceled Debt ( 15 U.S.C. 1681s-2 & 15 U.S.C. 1681c ) Capital One and XXXX XXXX  both issued Form 1099-C, which legally discharged these debts.

Despite the cancellation, these accounts remain falsely reported as open and outstanding, damaging my credit score.

Legal Violations : 15 U.S.C. 1681s-2 ( b ) : Creditors mu
st ensure accurate reporting and update records accordingly.

15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting of debts canceled more than 7 years ago. 
IRS Treasury Ruling XXXX : If a creditor issues a 1099-C, they forfeit the right to collect or report the debt as outstanding.

Immediate Remedies Demanded : Full removal of the accounts related to the discharged debts from all credit bureaus ( Experian, Equifax, and TransUnion ).

Cease all further reporting of these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue I have been experiencing in relation to the welcome bonus for my account with Truist Bank. I would like to formally address the matter and seek resolution at the earliest convenience. 

To provide a brief overview, I initially opened an account with Truist Bank to avail the {$400.00} welcome bonus. Despite encountering initial challenges with account confirmation and funding, I haven't received any email confirmation or phone call from Truist. As I understand, the account will not be active until I complete the initial opening deposit. 

After waiting and receiving no account confirmation, I subsequently opened another account using the relevant coupon code, made the necessary deposit, and fulfilled all specified requirements, including setting up a direct deposit and meeting the deposit threshold of {$1000.00} within the stipulated timeframe.

Upon contacting Truist customer service on multiple occasions, I received conflicting information regarding the status of my bonus eligibility. While some representatives confirmed that I had successfully met all requirements and would receive the bonus, others indicated that I was ineligible due to having opened XXXX accounts, despite the first account being inactive and set for closure as per the advice of a Truist branch representative, XXXX, a personal banker at Truist XXXX branch in XXXX. 

I have attached relevant documentation, including screenshots and communication records, to support my claim of having fulfilled all criteria for the welcome bonus. It is disappointing to note that despite following the bank 's instructions diligently, the situation remains unresolved, causing undue inconvenience and uncertainty. 

Additionally, recent online searches have revealed customer complaints regarding similar issues with Truist Banks promotional offers, raising concerns about transparency and customer service standards. 

Given the circumstances outlined above, I kindly request a thorough review of my case and prompt resolution to ensure that I receive the entitled welcome bonus of {$400.00} without further delay. I would appreciate your urgent attention to this matter and a definitive response regarding the status of my bonus eligibility. 

I look forward to your prompt action and a positive outcome. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

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 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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I would like to receive all moneys reporteded returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE REPORTED- 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 2025-03-08 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE REPORTED- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies.

According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions.

Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation o
f this regulation.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681.

I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. 
Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
In XXXX, I saw on my credit report that there was a charge off on Experian, Equifax and Transition. On XX/XX/year>, I sent XXXX letters to these XXXX companies with certified mail, they have responded back to my letter saying that the information was in fact verified. I even sent them a second letter in XXXX and they told me once again that the information was verified. This is for XXXX Bank and for all three credit reports it says account charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
In XXXX, I saw on my credit report that there was a charge off on Experian, Equifax and Transition. On XX/XX/year>, I sent XXXX letters to these XXXX companies with certified mail, they have responded back to my letter saying that the information was in fact verified. I even sent them a second letter in XXXX and they told me once again that the information was verified. This is for XXXX Bank and for all three credit reports it says account charge off.

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 2025-03-08 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: MO

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
Several attempts were made to resolve the unknown, incorrect, and inaccurate information filed in the consumer credit report, consumer requested certification, verification and any XXXX reports generated by creditor, and proof of consumers written permission to report information to the bureaus. Neither the credit bureaus nor the companies were able to provide any of the information requested. The consumers personal information have been apart of several data breaches including EQUIFAX, since then several debt collectors have sent letters regarding account I never opened, in XXXX XXXX court cases were opened by debt collectors, a notice to defend was placed on each account, after which one was withdrawn and claimed to be settled ( no funds were received for settlement ), the debt collector for the remaining case refused to respond to any notices, messages, voicemails or letters regarding the case. The false, misleading and inaccurate information in the consumer credit report is harming the consumer credit score and hindering the consumers ability to obtain items needed to household goods and purposes. The fraudulent information is destroying the consumer credit worthiness and allowing others to become unjustly enriched from the misuse of the consumers accounts. An identify theft complaint and a security fraud alert were placed in the account. Items on the credit report that were removed, have now resurfaced without any explanation or notification from either the credit bureaus, or the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Several attempts were made to resolve the unknown, incorrect, and inaccurate information filed in the consumer credit report, consumer requested certification, verification and any XXXX reports generated by creditor, and proof of consumers written permission to report information to the bureaus. Neither the credit bureaus nor the companies were able to provide any of the information requested. The consumers personal information have been apart of several data breaches including EQUIFAX, since then several debt collectors have sent letters regarding account I never opened, in XXXX XXXX court cases were opened by debt collectors, a notice to defend was placed on each account, after which one was withdrawn and claimed to be settled ( no funds were received for settlement ), the debt collector for the remaining case refused to respond to any notices, messages, voicemails or letters regarding the case. The false, misleading and inaccurate information in the consumer credit report is harming the consumer credit score and hindering the consumers ability to obtain items needed to household goods and purposes. The fraudulent information is destroying the consumer credit worthiness and allowing others to become unjustly enriched from the misuse of the consumers accounts. An identify theft complaint and a security fraud alert were placed in the account. Items on the credit report that were removed, have now resurfaced without any explanation or notification from either the credit bureaus, or the companies.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Several attempts were made to resolve the unknown, incorrect, and inaccurate information filed in the consumer credit report, consumer requested certification, verification and any XXXX reports generated by creditor, and proof of consumers written permission to report information to the bureaus. Neither the credit bureaus nor the companies were able to provide any of the information requested. The consumers personal information have been apart of several data breaches including EQUIFAX, since then several debt collectors have sent letters regarding account I never opened, in XXXX XXXX court cases were opened by debt collectors, a notice to defend was placed on each account, after which one was withdrawn and claimed to be settled ( no funds were received for settlement ), the debt collector for the remaining case refused to respond to any notices, messages, voicemails or letters regarding the case. The false, misleading and inaccurate information in the consumer credit report is harming the consumer credit score and hindering the consumers ability to obtain items needed to household goods and purposes. The fraudulent information is destroying the consumer credit worthiness and allowing others to become unjustly enriched from the misuse of the consumers accounts. An identify theft complaint and a security fraud alert were placed in the account. Items on the credit report that were removed, have now resurfaced without any explanation or notification from either the credit bureaus, or the companies.

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 2025-03-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-08 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: FL

Complaint narrative:
These credit bureau violates my rights as a consumer and federal law

Company response to consumer: Closed with explanation