vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This item reported on my XXXX Credit report as a Charge Off. 
SYNCB/PPC ACCOUNT XXXX. XXXX IN THE AMOUNT OF {$440.00} this account ( s ) was a Charge Off, SYNCB/PPC Reported this as a Profit Loss to the IRS, and are still reporting it on my credit report that I still owe this amount, however SYNCB/PPC never supplied me with the 1099-A. and as of today my request to SYNCB/PPC has not been answered. I am Requesting that the CFPB request a copy of the 1099-A from SYNCB/PPC the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX XXXX 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 2025-03-17 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Apple/GS Bank requesting a 1099-C form after noticing that my account was reported as closed and written off as a profit and loss on my credit report. Since this status had been reported since XX/XX/year>, I requested the form within 14 business days as required under IRS regulations ( 26 U.S.C. 6050P ) for canceled debts over {$600.00}. 

Apple/GS Bank failed to provide the requested 1099-C form or remove the account from my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under these laws, creditors must ensure accurate reporting and provide proper validation of debts. 

Since they did not comply with my request, I am seeking resolution by requesting the immediate issuance of the 1099-C form or the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-03-17 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I 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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-03-17 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: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern, Recently my information was obtained illegally. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect CFPB to handle this dispute with the utmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/year> Dear XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I know these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I request to please delete all the late payments on the following closed accounts immediately. This information is incorrect ; the payments were never late. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Please remove six late payments CAPITAL ONE Account XXXX Date opened : XXXX XXXX Balance : {$620.00} Status : closed Please remove seven late payments CAPITAL ONE Date opened : XXXX XXXX Account number : XXXX Balance : {$3900.00} Status : Account charged off Please remove twelve late payments XXXX XXXX Account number : XXXX Date opened : XXXX XXXX Balance : {$430.00} Status : closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 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: CORELOGIC INC
State: CT

Complaint narrative:
CREDCO  XXXX optain my credit report on XX/XX/year> with multiple hard inquiries on my XXXX XXXX and XXXX report I never applied for a loan with CREDCO  XXXX and I currently don't have an account with them these activities are fraudulent according to the FCRA therefore I am asking CREDCO  to remove the hard inquiry from my credit report.

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 2025-03-17 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/year>. Someone claiming to be coinbase told me someone was trying to get into my coonbase account and I needed to transfer my assets into my coinbase wallet. I did what they asked me to do. Only to find out it was transferred to a different wallet. The # they used was XXXX XXXX XXXX, which when I called back answered as coinbase support. As I explained to that # the situation at hand. I was told it takes XXXX hours for the $ to show up. It's been 5 days and my wallet is at a {$0.00} account balance. Over {$14000.00} has been stolen from me. They knew way to much information about me, even which XXXX  accts I had and knew coinbase very, very well. I called coinbase and they said they can see the transfer but looks like I did it and they will do nothing about it. Unless a federal company tells them to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
This item reported on my XXXX Credit report as a Charge Off. 
TD BANK USA/TARGETCRED ACCOUNT NO. XXXX IN THE AMOUNT OF {$440.00} this account ( s ) was a Charge Off, TD BANK USA/TARGETCRED Reported this as a Profit Loss to the IRS, and are still reporting it on my credit report that I still owe this amount, however TD BANK USA/TARGETCRED never supplied me with the 1099-A. and as of today my request to TD BANK USA/TARGETCRED has not been answered. 

I am Requesting that the CFPB request a copy of the XXXX from TD BANK USA/TARGETCRED XXXX Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint against Cash app ( block Inc. ) for inadequate customer service. And. Unfair practices. Which violates the consumer. Financial protection act ( CFPA ) Specifically, cash app fail to take a timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected in for more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant. Inconvenience. And financial loss. And seeking appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I received a credit collect collection bill. on XX/XX/XXXX I emailed XXXX and also faxed the debt validation to XXXX per employee XXXX XXXX. I asked for the following, written agreement with my signature on it to pay and proof that midland credit are authorized t collect on behalf creditor, a calculation of the balance ( including complete payment history, chain assignment form, a forward flow agreement, copy of the creditors state license with license number on it, also i asked for the purchased agreement of the debt, the insurance claim of the debt. i received a letter dated XX/XX/XXXX saying they are uncertain of what i am disputing and for them to further investigate i need to provide yet again a written explanation and documentation demonstrating errors in my account. I did send and fax them a letter requesting validation on XX/XX/XXXX, and they have not provided anything i asked for expect a statement of my credit card bill dated XX/XX/XXXX. I am requesting this all be removed from my credit file since they can not provide any documentation i asked them to. a credit card statement is not sufficient validation when i asked for multiple items and documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I notified the XXXX XXXX XXXX of the missing credits to my loan. I supplied copies of the available bank statements ( Chase refuses to disclose all bank statements dating back to the start of the missing payments. ) Chase sent me a grid with all payments that I made to the XXXX, which includes the payments that the XXXX never received. I've requested to know exactly where the funds withdrawn were sent to. Chase refuses.

I've requested contact information that Chase would have on file for who the funds were sent to. Chase refuses. I've requested Actual copies of each withdrawal. Chase refuses.

I've requested copies of the paperwork that authorized these withdrawals. Chase refuses.

Chase was my XXXX lender on XXXX loans that were forgiven. My gut says that Chase has been fraudulently taking funds from my under the asepsis of repaying a loan to themselves that was forgiven. Upon speaking with the XXXX XXXX XXXX, they have adamantly stated that Chase did not send them these payments. 

XX/XX/XXXX {$820.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$850.00} XX/XX/XXXX {$840.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$740.00} XX/XX/XXXX {$720.00} I have attached just a few of the XXXX encrypted messages going back and forth. 
I have spoken on the phone with Chase customer service. I was advised that I could not talk to their Fraud department directly and the request I made for them to call was ignored because I did not supply a day and time. I supplied a day and time ( today XXXX at XXXX PT ) and I sat around for an hour waiting for their call from an XXXX or XXXX phone number. I had one phone call during that time frame and it was from a vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

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 response to consumer: Closed with non-monetary relief