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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md. XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I deposited a social security check on XX/XX/XXXX for ~ {$1000.00} and it's still listed as on hold I got an email saying the check might be on hold until XXXX. I know that the check is good because it was mailed directly from the treasury. I've called, done identity checks, gone in person and showed my id and SS card and all of that and then I get an email that my account is unfrozen. Since depositing the check my account has been frozen and unfrozed multiple times, even when I haven't done anything. The latest email said they apologize for freezing it and I have been given full access to my account, yet my check is still on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, NY XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$340.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-01 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding a debt that XXXX is attempting to collect, which is inaccurate and unverifiable. The account in question is for XXXX XXXX, with an alleged balance of {$6700.00} ( Account XXXX : XXXX ). XXXX has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year> I sent a formal debt validation request to XXXX under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested the following : 1. Proof of ownership of the debt, including the original signed agreement or contract.

2. A complete account history from XXXX XXXX, detailing the balance, charges, and payments. 
XXXX. Documentation proving that XXXX has the legal authority to collect this debt. 
XXXX. XXXX that the debt is not time-barred under state statute of limitations laws. 

XXXX has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, violating the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This failure to validate the debt has caused harm to my XXXX XXXX and financial standing. I believe HWARFIELDs actions are deceptive and unlawful under XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I'm a victim of the XXXX XXXX breach and I reviewed a copy of my credit report and noticed a account that is the result of fraud and this data breach as I was and I still am incarcerated I was incarcerated when this account was opened and I'm currently still incarcerated please block this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I received XXXX credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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 started to do some research on my credit and I realized that equifax had a data breach I put my information on the website and it says my personal information was impacted by this incident. I do realize that I am pass the claim for money but I would like the items affected by this to be removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
complaint for LightStream Bank inquiry Reported on XXXX XXXX I never apply for Lightstream Bank this is a Fraud, this is reporting on my XXXX report and it needs to be deleted off my report. already disputed with them but they still have it on my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX complaint About XXXX has accounts on the reported wrong on my credit report.because now these accounts do not belong to me now. they where included in a XXXXXXXX XXXX the accounts is 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> I have PREVIOSLY DISPUTED AND THEY DID NOT DO ANYTHING. ALL THESE CREDITORS WAS CHARGE OFF AND PASS TO A DEBT COLLECTTOR.I DID NOT GET ANY CONTRACT FROM ANY OF THEM AND ALSO I DO NOT OWE ANYBODY.I REQUEST THAT THEY DELETE ALL OF THESE ERRORS ON MY CREDIT REPORT. XXXX REPORT THESE ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX you guys have my old phone number is XXXX my new number is XXXX please update in your systems.

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 2025-01-01 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I did not authorize any of the listed companies to run 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 2025-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Subject : Fraudulent Debt Collection Related to Identity Theft ( XXXX ) To Whom It May Concern, I am writing to formally file a complaint regarding a fraudulent debt that has been repeatedly sold to third-party collection agencies by XXXXXXXX. This situation has caused significant stress, harm to my credit score, and an ongoing cycle of harassment from debt collectors over a debt that is not mine. 

Summary of the Problem 1. I have received debt collection notices from three separate agencies : - XXXX - XXXX - Source Receivables Management ( most recently on XX/XX/XXXX ). 
The debt amount is {$4100.00}. 

XXXX. This debt stems from a fraudulent XXXX  account ( Account # XXXX ), which was opened on XX/XX/XXXX using : - Phone Number : ( XXXX ) XXXX - Address : My previous address in XXXX, TX ( XXXX have not lived there in over a decade ). 
Furthermore, this account was opened in New York, a state where I have never lived, and I have never owned a XXXX account. 

XXXX. I have made significant efforts to resolve this : - I filed police reports on XX/XX/XXXX and XX/XX/XXXX with my local sheriffs office. 
- I submitted fraud dispute forms via XXXX XXXX XXXX website ( XXXX XXXX XXXX XXXX XXXX twice ( once in XXXX and most recently a week ago ). 
Unfortunately, I never received a response from XXXX on either occasion. 
Impact on Me 1. Credit Damage : This fraudulent debt has negatively impacted my credit score, despite my repeated attempts to resolve the issue.

2. Time and Stress : Resolving this has consumed hours of my timeincluding visits to a XXXX  store where employees attempted to contact their fraud department, only to discover it had been dissolved. Despite these efforts, I received no meaningful assistance. 
XXXX. Repeated Harassment : The debt collection agencies, while more responsive than XXXX, continue to reach out, perpetuating the issue. 

Request for Resolution I am asking for the following actions to be taken : 1. Removal of this Fraudulent Debt : - XXXX must acknowledge that this account is fraudulent and stop selling the debt to third-party collection agencies.

2. Restoration of My Credit : - All negative credit impacts related to this fraudulent debt must be removed. 
XXXX. Accountability from XXXX XXXX XXXX XXXX must take responsibility for its role in mishandling this fraudulent account and provide a clear pathway for resolving disputes. 
XXXX. Assurance of Non-Recurrence : - Prevent further sale of this fraudulent debt and provide written confirmation of its resolution. 

Conclusion I have provided all necessary documentation, including police reports and submitted fraud forms. I am requesting that XXXX and the CFPB step in to resolve this issue promptly to prevent further harm. 

Thank you for your attention to this matter. I am happy to provide additional documentation if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Sunlight Financial LLC
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation