vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since XXXX as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Request for Removal of Charge-Off Due to 1099-C Cancellation Under FDCPA & 15 U.S.C. 1681 ( e ) ( b ) Dear Credit Bureau, I am writing to formally request the removal of a charge-off from my credit report associated with BANK OF AMERICA and account number ending XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( b ), credit bureaus are required to maintain maximum accuracy and fair reporting.

I have received a 1099-C Cancellation of Debt form for this account, indicating that the creditor has discharged the debt. Since the IRS treats this debt as canceled and taxable income, it is no longer legally enforceable. Reporting a charge-off and a canceled debt simultaneously is inaccurate and misleading under the FCRA. 

I request an immediate update to my credit report reflecting the removal of this charge-off. If this item can not be verified as legally collectible, it must be deleted as required by law. Please provide written confirmation of your findings and the actions taken within 30 days. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Wife received a fraud alert text. She responded to the text that it was fraud and received a response showing the card was closed and a replacement was being ordered. Following day, 3 new charges appeared on the card that was supposed to have been closed. Contacted the bank to ask about the charges. The agent tells us that the card was never actually closed and she closed it for us. Call is elevated to a supervisor. Supervisor then verifies that the card was supposed to close the previous day, but wasn't. Supervisor then proceeds to inform us that after the payments process, even if it is shown that these charges came in after the card was supposed to be closed, we have to wait up to 10 business days for the disputed amount to be returned. They made the mistake that caused this, why do I have to deal with the consequences?

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 2025-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Regional Management Corporation
State: TX

Complaint narrative:
regional finance keep XXXX email and XXXX  call they never stop and never give please tell company stop email me anymore it stressed me and every time I see email I am getting sick

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I recently reviewed my credit report and found this fraudulent account on my credit report. I was shocked to learn that Ive been a victim of identity theft. Please remove this account from my credit report. Thank 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility The following is a description of the identity theft incident : I did not open these accounts. These accounts are not mine. Im sure I didnt open that in my name. Had an unknown phone number or phone call to Where my Identity was breached.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 
In addition, I have lost 40 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX and XXXX : XXXX  I have not had any problems with any credit bureaus. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
Please contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
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 2025-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Issue Description : On several occasions, I attempted to make my mortgage payment to Carrington Mortgage Services using the payment coupon they issued. However, despite following the instructions on the coupon and ensuring that the payment method complied with their stated requirements, my payment was either rejected, not processed correctly and my payments never returned. 

When I contacted Carrington Mortgage Services for clarification, I was given conflicting information and was unable to resolve the issue satisfactorily. Their response was that I was attempting some type of debt eliminatin scheme and left me feeling that my payment was unfairly mishandled, potentially putting my mortgage account in jeopardy through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to formally demand the immediate deletion of the following account from my credit report due to its inaccurate and improper reporting : Creditor : XXXX XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Placed for Collection : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed in writing that they returned this account to XXXX XXXX, XXXX on XX/XX/XXXX. Furthermore, they have stated : " If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. '' Given this statement, there is no legal basis for this account to remain on my credit report. I demand that this account and any associated derogatory marks be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please conduct an immediate investigation and confirm the permanent deletion of this account in writing. Should this matter not be resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take any other necessary legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect confirmation of the deletion within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Submitted receipt for XXXX XXXX for XXXX, denied because information such as name of provider, amount paid, service was not included on receipt. Spoke with customer service who told me to submit the information missing even though it was it was there. Escalated to manager XXXX who first didnt open the receipt and said I needed one, then he said information was missing, then I pointed to each required piece of information that was there, he confirmed that it was there but the system was telling him it isnt, hung up on me. Tried to submit claim for XXXX XXXX XXXX XX/XX/year> received error, tried to submit claim for XXXX for XXXX XXXX, received error. Called XX/XX/year> XXXX spoke with XXXX resubmitted different ways via different computers, browsers, etc. not able to able to get my money. I sent email with screenshot to XXXX, first they told me that the attachment with all screenshots didnt open, then they said pictures from work email didn't open, changed emails to person and changed computers, changed the way the screenshots were included via picture, embedded or and word, they said I have to go online and submit the claim when the website isnt working. Said they would call and didnt have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Affairs, I am filing a formal complaint regarding a credit card account opened with Capital One in XX/XX/year>. The account was approved, and I made a single charge on XX/XX/year>. On the same day, a {$95.00} annual fee was charged to my account. I promptly paid off the balance on XX/XX/year>. 

However, Capital One froze my account on XX/XX/year>, and closed it two weeks later in XXXX. They did not provide sufficient details for the closure, merely stating that the income support I provided during the application was not satisfactory. Despite the closure of the account within a very short period, I was still charged the {$95.00} annual fee, which I never had the opportunity to utilize. 

I have made multiple calls to Capital One to request a refund of the {$95.00} fee, but they have continuously claimed there is no " balance '' on the account and have not issued the refund. Their lack of responsiveness and the inability to resolve the issue has left me frustrated. 

I am requesting that Consumer Affairs assist in ensuring I receive the refund of {$95.00} for a service I never used. I believe this fee should be refunded due to the account being closed soon after opening, with no usage or benefit to me as a customer. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

ACCOUNT ENDING XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I hereby my name XXXX XXXX I am a victim of the credit reach that has happened across the United States I am one of the XXXX billions that was involved I am a victim that has been in the data breach that was hacked from all three credit bureaus my information has been hacked into and fraudulent there's things that I don't know about that's going on on my reports that I have not a clue who and what they are this needs to be removed my credit need to be cleared from from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby my name XXXX XXXX I am a victim of the credit reach that has happened across the United States I am one of the XXXX billions that was involved I am a victim that has been in the data breach that was hacked from all three credit bureaus my information has been hacked into and fraudulent there's things that I don't know about that's going on on my reports that I have not a clue who and what they are this needs to be removed my credit need to be cleared from from all three bureaus.

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 2025-02-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-02-08 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes. 

TransUnion has failed to conduct a proper investigation, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, yet TransUnion continues to report erroneous information even after multiple dispute attempts. This issue is not unique to my case, as many consumers have reported similar complaints regarding TransUnions failure to conduct proper investigations. 

Disputed Accounts That Must Be Immediately and Permanently Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry on my credit report, and I have no idea why its there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue persisted. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents I sent carefully so I dont have to deal with this stress again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX, ( XX/XX/year> ), Contents of Complaint : 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 XXXX {$1500.00} XXXX XXXX- XXXX {$2600.00} XXXX XXXX {$210.00} XXXX XXXX XXXX {$730.00} XXXX {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX, ( XX/XX/year> ), Contents of Complaint : 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 XXXX {$1500.00} XXXX XXXX- XXXX {$2600.00} XXXX XXXX {$210.00} XXXX XXXX XXXX {$730.00} XXXX {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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