vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Subject : Dispute of Charged-Off Debt and Request for IRS 1099-C Issuance I am writing to formally dispute the continued reporting of the charged-off account associated with Account Number XXXXXXXX XXXX  on my credit report. Based on the information provided in my credit file, it appears that this debt was charged off as of [ Charge-Off Date ], with a balance of XXXX According to IRS regulation 26 U.S. Code 6050P, a financial institution that cancels or forgives a debt of {$600.00} or more must issue a 1099-C Cancellation of Debt form to the debtor. Furthermore, under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), courts have ruled that inaccurate or misleading credit reporting, including the failure to update an accounts status accurately, can be considered a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Since this debt was charged off, I request that : XXXX. You provide a 1099-C form for tax reporting purposes if the debt has been canceled, as required by federal law. 


XXXX. You cease reporting this balance if it has been forgiven or discharged, as maintaining it as owed could constitute inaccurate reporting under the FCRA. 


XXXX. You provide verification if this debt is still legally enforceable and not subject to cancellation under IRS guidelines. 


Please respond within 30 days of receipt of this letter. If the debt is canceled, I expect to receive a 1099-C form for tax purposes and an update reflecting the accurate status on my credit report. 

Sincerely, XXXXXXXX XXXX XXXX XXXX  This letter asserts your rights under the IRS Code, FCRA, and relevant case law to ensure the creditor either provides the required 1099-C form or updates your credit report properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, at XXXXXXXX XXXX, XXXX who was the former salesman who assisted me in purchasing my vehicle at a Toyota dealership on XX/XX/XXXX, contacted me via text message to inquire about my well-being. In response, I took the opportunity to ask him some questions regarding my vehicle, as we had occasionally communicated in the past solely regarding vehicle-related inquiries. Following this exchange, XXXX called me to discuss my question. During our conversation, he initially gave the impression that he was still employed at Toyota. However, toward the end of the call, he disclosed that he had mistakenly used my XXXX XXXX checking account information to receive benefits from Employment Development Department ( EDD ) system, as he was no longer employed and had been seeking unemployment benefits. 

Immediately after this conversation, I contacted the Toyota dealership where I purchased my vehicle and requested to speak with a manager regarding this concerning matter. I was connected with Sales XXXX XXXX, to whom I explained the entire situation. Unfortunately, XXXX responded in a dismissive manner, stating that XXXX was no longer employed by Toyota and that this did not seem like something XXXX would do. As a result, he refused to assist me any further, and the call ended without any resolution. 
At XXXX on XX/XX/XXXX, After work I called XXXX over the phone to understand how he mistakenly used my bank information for his personal convenience. XXXX is making no sense and continuously indicates that he just mixed up my bank statement with his and instead sends me a screenshot of my own bank statement through text message and responds with " Thanks and I'll make sure to dalete for the second time and even from the trash. '' it is apparent to me that this is not the first time he's had to delete my bank statement off his photo gallery. 

Following this interaction, I was deeply troubled and immediately contacted my bank, XXXX XXXX, to request a change of account information for security purposes. The bank representative advised me that both deposits made from EDD under my account would be flagged as fraudulent, as XXXX had allegedly been instructed by EDD to see if he could get the money from me. 

Additionally, I attempted to file a police report on the same day of my conversation with XXXX and the Toyota sales manager. The officer handling my report advised me to block XXXX number, which I have done. As of today, XX/XX/XXXX, a police report has been officially filed online regarding this matter. 

Furthermore, Toyotas corporate office has already been informed of this situation. On Friday, XX/XX/XXXX, I was contacted by General Manager XXXX, who asked me to recount the incident. After I shared my experience, he apologized for the behavior of his employees. The call was ended and there was no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  XXXX Bankruptcy Discharged on XX/XX/XXXX, case # XXXX has not been honored by Capitol One Auto . They have reported a Derogatory Mark to my Credit Bureau reports on XX/XX/XXXX. I ask them to recall the negative mark and send Title to vehicle. They told me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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. 

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT 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 non-monetary relief
Consumer complaint received 2025-03-11 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that 1 do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that 1 am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank closed my account with Amazon store card after I paid off the entire balance. This means their reward for a customer who pays off their balance is to close their account. So while a consumer tries to pay off their cards, Synchrony Bank punishes them by closing/reducing their available credit. This is meant to worsen the customer 's credit ration. This should not be allowed. They sent the following message : " Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Regarding your Amazon Store Card account ending in XXXX Dear XXXX, After a review of your account, Synchrony Bank has decided to close your account. 

Our decision was based in part on a scoring system that was used to predict your creditworthiness. The reason ( s ) for our decision are listed below.

Lack Of Real Estate Secured Loan Information Too Many Revolving Accounts With High Balance Compared To Credit Limit Too Many Bankcards With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits While the date of the credit score may not be recent, your score has likely not changed significantly since this date. We receive updated scores on a periodic basis, and when significant changes occur. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX If there is a balance on your account, it remains due, according to the terms and conditions of the account. If you have any questions, please call the phone number listed below. 

Sincerely, Synchrony Bank XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX Bankruptcy Discharged on XX/XX/XXXX, case # XXXX has not been honored by XXXX XXXX XXXX They have reported a Derogatory Mark to my Credit Bureau reports on XX/XX/XXXX and continue to do so every 30 days. I ask them to recall the negative mark from my credit report, they will not and they turned my account over to third party collections, TSI, Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX, XXXX Washington, PA XXXX. Phone number XXXX. I ask them to provide their fax number me to send my Discharge Paperwork, they said they do not have a bankruptcy department. I can not get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> a transaction was made for the amount of XXXX $ I collected cash app with video proof the my card was stolen and it was not me who made the transaction and my refund was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
the amount in question and balance is incorrect and doesn't belong to me. company refuses to remove the dispute even after it was proven the amount was not mines and its a closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX! 
I was looking for a house to rent through the website XXXX and on XXXX XX/XX/XXXX, I found out the house, which located in XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXXXXXX ). After leaving my information, the guy whose name is XXXX contacted me. He considered he was a landlord of the house, asked me to pay XXXX $ for application fee/ person ( i paid XXXX $ for 2 ). After that, I filled the rental application form and lease agreement. From XX/XX/XXXX to XXXX, he asked me to pay a security deposit XXXX XXXX 3 months payment of my rental ( XXXX $ ) + 3 months of utilities fee + 1 year rental insurance ( XXXX $ for both ). I used wire transfer from XXXX XXXX and chase account to do it. He didn't let me see the house or meet up in person. He always told me that i dont need to pay anymore for now after all of my payment and promised for the appointment to meet up. However, his wife contacted me after that and asked for 1 more month of payment. He required me to do that if i want to keep my lease. I right now felt it was a scam because they kept asking me transferring money non stop. I called the bank to report a scam. His phone number ( XXXX ) is XXXX his wife phone number ( XXXX XXXX : XXXX Chase did not respond my claim! While I reported XXXX XXXX to Cfpb, they have nicely contacted me and have still been working on my case! Right now, i still want to report Chase since they haven't given me any results. It is 1 month since XX/XX/XXXX, i think CHASE refused my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-11 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. XXXXCREDIT XXXX BANK NA 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